NGPF

What NGPF Is

NGPF (Next Gen Personal Finance) is a nonprofit that gives teachers a complete personal finance curriculum and professional development, all free. It is built for middle and high school teachers in the United States and for the districts that have to roll out a personal finance course. The About page says co-founder Tim Ranzetta started by designing and teaching a personal finance program at Eastside College Prep in East Palo Alto in 2010, and co-founded NGPF with Jessica Endlich in 2014. The footer gives a Burlingame, CA address and describes NGPF as a 501(c)(3) nonprofit.

Its stated mission is to change how personal finance is taught in all schools and to improve the financial lives of the next generation of Americans. The homepage tagline is shorter: "Teach money. Change lives." The About page calls NGPF "the #1 provider of personal finance curriculum and professional development for educators in the U.S."

The Curriculum

NGPF sells nothing. It publishes what the About page calls "five turnkey courses": the Semester Course, which is its flagship, plus a Full-Year Course, a Trimester Course, a Middle School Course and a Financial Algebra Course. The Semester Course is described as "67 customizable lessons, aligned with National Standards, exams and more." The homepage promises "Ready-to-go lessons, activities, and assessments" covering every key personal finance topic.

Teachers can also work unit by unit. The units are Banking, Budgeting, Behavioral Economics, Career, Consumer Skills, Insurance, Investing, Managing Credit, Paying for College, Taxes and Types of Credit, plus shorter Mini-Units. The district FAQ says units and lessons can be reordered, supplemental resources can be added to an existing curriculum, and lesson guides suggest how to adapt or augment the lessons.

Around the courses sits a set of classroom resources. The Arcade holds games and interactives; the homepage's top resources include an interactive on FICO credit scores, an online bank simulator, a salary-based budget activity and The Bean Game. An Investing Simulator lets students "Practice managing a brokerage account." There is a Question of the Day, FinCap Friday videos for current events, a Resource Hub, and a Wall Street Journal and Dow Jones Resource Hub for financial journalism in class. For measurement, NGPF offers an Efficacy Assessment, which the homepage calls "A FREE National Assessment to Inform Your Instruction."

Delivery runs on Google tools. The FAQ says NGPF provides Google Slides for all lessons in the Semester Course, with Nearpod versions for many lessons. The Slides can be customized, used with Google Classroom and downloaded as PDFs, while the Nearpods add embedded questions, polls and student-paced activities. The materials can be loaded into any LMS, the Semester Course is ready to use in Canvas Commons, and the FAQ adds that NGPF "works well with any system, including Microsoft."

Students never get accounts. Resources are meant for teachers to deliver, so only teachers sign up. The FAQ draws two practical consequences: districts have in most cases not needed NGPF to sign data privacy agreements, and there is no single sign-on, though districts often add a bookmark tile to ngpf.org in portals such as Clever or ClassLink.

Multilingual classes are covered in part. The FAQ says, "Many of the activities and assessments for our Semester Course materials are translated into Spanish, as well as the entire Middle School Course." There is also a Spanish video series and a Personal Finance Dictionary in English and Spanish.

On accessibility, the FAQ says the platform is evaluated against WCAG 2.1 and Section 508 standards with automated tools and manual screen reader and keyboard testing. It names video captions, podcast transcripts and keyboard access for core functions, and openly lists the areas still being improved, such as alt text coverage and keyboard navigation in arcade games.

Professional Development Through NGPF Academy

The second half of NGPF is teacher training. A teacher joins NGPF Academy automatically by attending a first free PD session, and the Academy offers five formats:

• On-Demand modules: self-paced, asynchronous modules across personal finance topics.
• Certification Courses: "nine hours of sessions focused on a core content area with a one-hour final exam."
• Virtual PD: "Live, interactive one-hour sessions, offered multiple times per week."
• Virtual Conferences: held several times a year on Saturdays, with 6-7 hours of free programming.
• FinCamps: "A full day of in-person PD led by NGPF team members."

Completed sessions earn awards and digital badges. The My NGPF Academy area holds a learning transcript, PD certificates, accumulated credits, current PD challenges and "Zoom links for upcoming virtual sessions." The FAQ says teachers receive a certificate of completion for every session and can submit those documents "to receive in-service points in many districts." A seasonal challenge, the Spring PD Passport, asked teachers to complete 3 hours of PD between April 1 and June 30, 2026. A PD Pathway quiz points new teachers to the right starting point.

Districts, Accounts and Scale

Districts get a partnerships team that the About page says provides "guidance, best practices, and tailored PD opportunities." The district page offers curriculum crosswalks to every state's standards, an Implementation Checklist and Resource Kit with an Intro to NGPF slide deck, and grant opportunities. One testimonial from Prince George's County Public Schools says NGPF's FEE Grant paid for a full-time coordinator. The FAQ confirms the high school courses cover the National Standards for Personal Finance Education.

A free Teacher Account opens the teachers-only material: assessments and answer keys. NGPF verifies every teacher, asks for a school email that appears in an online directory, and accepts proof such as a photo with a staff badge. The sign-up form says the team will "send you a follow up email within 24 hours", and the confirmation adds that activation can take up to 1 business day. Homeschool teachers and schools outside the United States can register through the same form.

On cost, the district FAQ is direct: "Everything NGPF offers will always remain free for educators and districts." The About page says funding comes from individuals, foundations and corporations, with an operating reserve of roughly 50% of the budget, and the FAQ adds that NGPF was "fully funded for a decade by a dedicated endowment".

The homepage claims 5M students reached per school year, 150,000+ teachers in all 50 states, and 650,000+ hours of NGPF professional development completed. The district page reports that 97% of NGPF users surveyed feel confident teaching personal finance. NGPF's advocacy affiliate, the Mission 2030 Fund, has helped pass laws in over 20 states, and its Live U.S. Dashboard tracks 30 states that guarantee a standalone personal finance course.

Teachers quoted on the homepage speak to the PD as much as the lessons. James at Gretna High School writes, "As a first-year teacher with minimal personal finance knowledge, NGPF built my foundation for effective teaching."

Who It Suits

NGPF fits any US middle or high school teacher assigned a personal finance class, especially one new to the subject, since the courses, slides, assessments and training all arrive together at no cost. Districts facing a new graduation requirement get crosswalks, an implementation kit and a partnerships team. Math teachers have the Financial Algebra Course, and economics or CTE teachers can pull single units, games or the Investing Simulator into their own courses.

The limits follow from the design. NGPF is material for a teacher to deliver, not a self-study course for students, so a teenager or parent looking for an independent online class will not find student logins here. Everything is written for American personal finance, from taxes to state standards.