$1,000 Investing Challenge
Concentration risk: Moderate
Money lessons that compound.
Learn money. Practice real decisions. Build your future.
MyFutureCents turns personal finance into practice. Teens run their own paycheck, portfolio, and life decisions in realistic simulations — while parents and schools get the tools to guide them.
Free to try · Built for ages 13–19 · No real money, ever.
Teen dashboard
Money Skills Score
78
Cash
$420
Savings
$1,850
Investments
$1,045
Future Me at 30$148,000
Today18212530
Sample view. Hypothetical figures for illustration only.
Why MyFutureCents?
We make kids practice everything that matters — except money.
Nobody expects a teen to play a game, drive a car, or pass an exam without reps. Money is the one high-stakes skill we hand over cold.
Sports
Practice, drills, scrimmages, a season of reps before the big game.
Driving
Permit, supervised hours, a road test before anyone drives alone.
Exams
Study guides, practice tests, feedback before the score counts.
Money
A first paycheck, a credit offer, a car loan — with zero reps beforehand.
MyFutureCents gives money the same thing every other skill gets: reps, feedback, and a safe place to get it wrong first.
Try it yourself
Don't just learn about money. Practice it.
Try a MyFutureCents experience. No real money. No pressure. Just practice.
Start With $1,000
Future Me
$30,771 by 30
Start Now vs. Start Later
What Can We Afford?
$21,015
Hypothetical value after 12 years.
How it works
Learn. Practice. Build your future.
Learn
Short, plain-English lessons on paychecks, saving, credit, investing, and avoiding money traps — no jargon, no lectures.
Practice
Run real decisions in a safe simulator: allocate a paycheck, handle a surprise car repair, build a diversified portfolio with mock money.
Build Your Future
See how today's habits compound into age 18, 21, 25, and 30 outcomes — and turn that into a plan the whole family can follow.
Built for
One platform, three people who need it.
Teens
Run a paycheck, build a portfolio with $1,000 in mock money, spot scams, and meet your Future Me at 18, 21, 25, and 30.
Explore the teen suite →Parents
Their future has more than one path. Model contributions, compare starting now vs. later, and find what your family can actually afford.
Open the parent planner →Schools
Standards-friendly simulations, classroom-ready activities, and a teacher view for tracking skill growth across seven pillars.
See the educator preview →For parents
What could your plan become?
Start with an amount that fits, then see what time and consistency could do. The estimate uses a hypothetical 6% annual return.
FutureCents Monthly
One email a month. Real money lessons that compound.
Practical, parent-friendly money guidance plus the newest simulations — no spam, unsubscribe anytime.
We never sell your information.
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Join families getting one useful money lesson every month.
Ready to practice real money decisions?
Join the families building financial confidence before the first paycheck lands.