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Money Smart

Learn Money Smart

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Improve your financial health with the FDIC’s Money Smart online tools.

Last Updated: October 4, 2022
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How Money Smart Are You?

How Money Smart Are You? is our new suite of 14 financial games and related resources. It’s available in both English and Spanish.

  • Earn (virtual) coins, have some fun, and learn about everyday financial topics.
  • You can play with or without an account – it’s your choice and explained on the site. If you want an account, create one on the site. Accounts from the Money Smart Computer-Based Instruction (CBI) product will not transfer to How Money Smart Are You?
  • The CBI is no longer available.

Launch   How Money Smart Are You?

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Podcast Network

The Money Smart Podcast Network is the portable audio (MP3) version of Money Smart. With verbal descriptions and topic based scenarios, the MP3 version uses dialogue to deliver basic financial information.

The four categories are:

  • Basics of Banking
  • Checking Accounts
  • Savings/Spending Plan
  • Borrowing Money

A CD-ROM version can be ordered at MP3 (Audio) Version English and Spanish (DVD) ( for those without internet access.

Learn More

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Parent/Caregiver Guides

You can positively shape your child’s financial development even if you are not an expert on financial concepts.  Money Smart Parent/Caregiver also offer practical activities and conversation-starters on common financial topics.

Savings-Related Resources

Saving money is a great place for consumers to start, or continue, to work on their finances. Using money that you’ve set aside to pay for unexpected expenses or to make a large purchase can help you avoid debt. And, knowing that you’re saving for long-term plans like college or retirement can give you peace of mind. There are many different reasons to save and a variety of ways to do it. For starters, review a list of our top five money saving ideas from the FDIC Consumer News: America Saves Week.

The America Saves initiative, (
Encourages all Americans to save money, reduce debt, and build wealth. You can visit this website to make a savings commitment and learn additional strategies to save.

The Consumer Financial Protection Bureau’s Start Small, Save Up (
Initiative can help people start and build savings.
The federal government's one-stop website that provides financial education resources from more than 20 federal agencies. It includes Save and Invest page that provides a comprehensive catalog of resources from federal agencies on saving and investing.

The Department of Labor (
Provides information for owners of small business on various retirement plan options.

FDIC Encourages Taxpayers to Take Advantage of IRS Programs and Save More of Their Refunds
Internal Revenue Service Programs provide free income tax preparation performed by certified volunteers.

Learn How to Open an Account at an FDIC-Insured Bank

Manage My Checking Account - PDF
You can use these strategies to help you manage your checking account.

Volunteer Income Tax Assistance (VITA) Potential CRA and Business Opportunities may be Available Before the Start of Tax Season
Financial institutions may be able be involved with Volunteer Income Tax Assistance (VITA) coalitions before the start of tax season.