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Learn money basics: Money 101

A free course in 21 short lessons, about 85 minutes in total. Plain English, real numbers, no sign-up.

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21 lessons · start with lesson 1

Start lesson 1

Not sure where to begin? Take the 2-minute money level check. Progress is saved only in this browser.

Module 1Budget

Know where your money goes and give it a plan.

  1. Where your money goes4 min
  2. The 50/30/20 rule4 min
  3. Your first budget in 4 steps4 min
  4. Budgeting on irregular income5 min

Module 2Cushion

An emergency fund, how big, and where to keep it.

  1. Why an emergency fund matters4 min
  2. How big should your emergency fund be?5 min
  3. Where to keep your savings5 min

Module 3Debt

What debt really costs and how to clear it.

  1. Good debt vs bad debt4 min
  2. How interest and APR work4 min
  3. Avalanche vs snowball: two ways to pay off debt4 min
  4. Pay off debt or invest?4 min

Module 4Saving

Make saving automatic and beat inflation's drag.

  1. Pay yourself first3 min
  2. Setting savings goals that work4 min
  3. What inflation does to your money4 min

Module 5Investing

Shares, ETFs, compounding and the cost of fees.

  1. What is a share?4 min
  2. What is an ETF?5 min
  3. Compound growth explained4 min
  4. Why fees matter more than they look4 min

Module 6Risk

Spread risk, size positions, avoid scams.

  1. Risk and diversification4 min
  2. Deciding risk before a trade5 min
  3. How to spot an investment scam3 min

How Money 101 works

Each lesson takes a few minutes. It explains one idea with a worked example in euros, ends with three key takeaways, and links to a calculator already filled in with the lesson's numbers, so you can change them to your own.

A short quick check at the end tells you straight away why each answer is right or wrong. Finishing it marks the lesson as done. Your progress stays in this browser only: nothing is sent to us, and you can clear it on the My plan page.

The modules follow the order that protects most people: know where your money goes, build a small cushion, deal with expensive debt, make saving automatic, and only then invest, with the risk under control. You can skip around; the order is a suggestion, not a rule.

This is education, not advice. Tax and product rules differ by country and change over time, so check anything important with an official source or a qualified professional.

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Education, not advice. I'm not a financial adviser and I don't know your situation. These tools show the maths behind common rules of thumb; check important decisions with a qualified professional. Full disclaimer.