Money skills they
don't teach you
in school.
Profyo is the financial literacy app that finally makes money make sense — investing, saving, credit and more. Learn it like a game, practice with zero risk, and meet Profy, your AI money coach.
The problem
Every other “teen money app” is really just a debit card with homework.
Greenlight, GoHenry/Acorns Early, Step, Copper — they sell parents a card and call a few quizzes “financial education.” Real money skills get treated like an afterthought. Here's what they get wrong, and how Profyo fixes it.
They're debit cards with a quiz bolted on.
Greenlight, GoHenry/Acorns Early, Step and Copper are banking products first. The “education” is a few tap-through missions to make parents feel good.
Profyo is education first.
A real, structured course that actually makes you money-smart — no card to fund, no bank account required to start learning.
A parent has to set it up and control it.
Most teen apps are really parent apps. The teen rides shotgun — they can't explore on their own terms.
Built for the teen, in their hands.
Profyo puts the teen in the driver's seat. Learn, practice, and level up independently. Parents can cheer from the sidelines.
$60–$300 a year just to learn the basics.
Plans run $5–$25/month before you've learned a thing. Financial literacy shouldn't be paywalled from the kids who need it most.
Free to start. Always.
Core lessons are free forever. We never lock the fundamentals behind a subscription.
Baby UI for little kids.
Cartoon piggy banks and chore charts. Teens want to feel grown — not babied — when they're handling real money.
Designed to feel grown-up.
Clean, fast, and a little bit gamified. The stuff you'd actually screenshot and send to a friend.
They skip what teens actually care about.
Investing, credit, side hustles, taxes, crypto basics, paying for college — barely touched. Just “save your allowance.”
The real-world stuff, taught for real.
Investing, credit scores, first job + taxes, side hustles, scams to dodge, and how compound growth makes you rich slowly.
Reading, not doing.
You can pass every quiz and still freeze the first time real money is on the line.
Practice with zero risk.
A simulator where you invest, budget, and make decisions with fake money — so you build instincts before a single real dollar moves.
Level 5 · Investing
Compound interest 💰
7 of 10 lessons · 🔥 12-day streak
If you invest $50 a monthat 8% from age 16… you'd have ~$264K by 50. Wanna see why? 👀
Fake money · zero risk · real lessons
The app
A money game you'll actually want to open.
Short lessons, real challenges, and a simulator where you can mess up safely. This is what learning about money should have felt like all along.
Profy, your AI money coach
Ask anything — “what's a Roth IRA?”, “is this a scam?” — and get a straight answer in teen English, 24/7.
Learn by playing
XP, streaks, levels and badges. Short, snackable lessons that feel like a game, not homework.
Risk-free money simulator
Invest in real (fake-money) markets, build a budget, and watch your decisions play out. Mess up safely.
Real-world challenges
Weekly missions like “track every dollar for 7 days” that turn lessons into habits you keep.
Streaks & leaderboards
Compete with friends. Money skills are way more fun when you're not learning them alone.
Earn the Profyo Certificate
Finish the course, prove your skills, and walk away with a credential you can actually show off.
Try it now
See your money actually grow.
Move the sliders. Watch what starting young does. This is the single most important chart in money — and almost nobody shows it to you in time.
The U.S. stock market has historically averaged about 10%a year over the long run. This is an estimate for learning — real returns go up and down. That's investing. 📈
By age 65, you could have
You put in
$29,400
Your money earned
$754,144
That's 96% of your total — money your money made while you slept.That's compound interest. 🤯
This is just Level 5 of the Profyo course. 👇
The course
6 levels from clueless to confident.
A real curriculum — not a pop quiz. Beat all six levels and earn the Profyo Certificate.
Level 1
Money Mindset
- ▸What money really is (and why it loses value over time)
- ▸Needs vs. wants — the decision behind every dollar
- ▸Setting money goals that actually stick
- ▸The psychology of spending: how brands get into your head
Level 2
Earning & Your First Job
- ▸Ways to earn as a teen — jobs, gigs & side hustles
- ▸Reading a paycheck: gross vs. net pay
- ▸Taxes 101 — where does the money go?
- ▸Turning a skill into income
Level 3
Budgeting & Saving
- ▸The 50/30/20 rule, explained simply
- ▸Building your first budget in 10 minutes
- ▸Emergency funds: why future-you will thank you
- ▸Saving hacks that don't feel painful
Level 4
Banking & Credit
- ▸How banks actually work (and how they make money off you)
- ▸Credit scores decoded — the number that follows you for life
- ▸Debit vs. credit vs. buy-now-pay-later
- ▸Avoiding debt traps and the 18% interest myth
Level 5
Investing & Growing Wealth
- ▸Compound interest: the 8th wonder of the world
- ▸Stocks, index funds & ETFs without the jargon
- ▸Risk, time, and why starting young wins
- ▸Crypto basics — hype vs. reality
Level 6
Real-World Money & Scams
- ▸Spotting scams, phishing & “get rich quick” traps
- ▸Paying for college without drowning in loans
- ▸Big purchases: phones, cars & the true cost
- ▸Your money game plan for the next 5 years
Finish the course, earn the Profyo Certificate.
Proof you actually get money — something you can show a parent, a teacher, or yourself.
Why we're building this
“I'm 12. I figured out that nobody really teaches kids about money — so by the time you need it, you're already behind. I wanted to fix that before I even graduate. So we built Profyo.”
— The founder of Profyo, age 12
Questions? Answers.
Who is Profyo for?+
Teens roughly 13–18 who want to actually understand money — plus the parents who'd rather their kid learn this now than the hard way later.
Is it really free?+
The core course is free forever. We may add optional premium tools down the road, but the fundamentals will never be paywalled.
Do I need a bank account or debit card?+
Nope. Profyo is about learning the skills. You can master everything in the simulator before any real money is involved.
Who's building this?+
Profyo started as the idea of a 12-year-old who couldn't believe money wasn't taught in school. Built for teens, by a teen — with grown-up help on the engineering.
When does it launch?+
We're building now. Join the waitlist and you'll be first in line — plus founding members get the Certificate and perks free for life.
Be first. Be founding.
Join the waitlist and lock in the Profyo Certificate and founding-member perks — free for life. We'll email you the moment it's ready.