We're here to help you bring hands-on learning to your students, no matter the distance Please note that students must take the test before it closes on April 8, 2021 at 11:55 PM PT. We recommend registering well in advance to avoid any issues with the test submission. March Date TBA Learn more about the competition at our Teacher Info Session! Register by clicking below Register your student teams today Deadline to register: EXTENDED to Thurs., April 8, 2021
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About the Personal Finance Challenge

The National Personal Finance Challenge is an opportunity for students to learn about personal finance by connecting with other students from across the state in an online competition. The top scoring teams are invited to the state championships where they compete for cash prizes!

The highest score will then compete for the state title and the chance to move on to the National Finals and win the grand prize award.


  • Students must be enrolled in middle school or high school courses for the 2020-21 academic school year to participate in the high school competition (grades 6-12)
  • All student teams MUST have an educator or coach
  • Please note that the Middle School Division (Grades 6-8) consists of an online test ONLY

California State Final Prize Amounts

First Place


($300 per team member–including team coach)

Second Place


($200 per team member–including team coach)

Third Place


($100 per team member–including team coach)


2021 Personal Finance Challenge – Compiled Lessons and Resources

Retired Case Study – 2019

Making Personal Finance Decisions

from Econlowdown

Financial Fitness for Work

from Council for Economic Education

How It Works

Register Student Teams

December – April 8, 2021

Last day to register: March 21, 2021 Extended to Thursday, April 8, 2021
Please note that students must take the test before it closes on April 8, 2021 at 11:55 PM PT. We recommend registering well in advance to avoid any issues with the test submission.

Take the preliminary online test!

Monday, March 21, 2021 – Thursday, April 8, 2021

The preliminary online test is taken individually by students

The test closes at 11:55 PM PT on April 8, 2021.

Announce State Finalists

Monday, April 12, 2021

Virtual California State Finals

Thursday, April 29th, 2021

National Semi-Finals

Tuesday, May 25, 2021

Students will compete with other state finalists from across the country for a chance to move on to the National Finals!

National Finals

Thursday, June 6, 2021

During the national finals, students will compete for the grand prize award!

2020 Personal Finance Challenge Highlights

April 15, 2020

As a result of the COVID-19 pandemic and school closures, the California Council on Economic Education (CCEE) worked rapidly to transition the Personal Finance Challenge (originally set to take place at the Federal Reserve Bank of San Francisco branches in Northern and Southern California) to an online Zoom format. Statewide shut downs did not prevent these students from showing off their money moves on April 15, 2020.

Guest judges included Dave Des Rochers, former NFL Seattle Seahawks player and current Vice President/Partner of Path2Happisuccess, Stephen Sherline, Managing Director and Head of Southern California Private Wealth Management at Union Bank, Lena Robinson, Director of Community Development at First Republic Bank, Steven Qiu, Senior Vice President & Retail Regional Manager at CTBC Bank, and Sharie Sohrabkhani, Senior Relationship Manager at US Bank.

On May 4, 2020, California’s Personal Finance Challenge state champions from Adrian Wilcox High School won the National title, placing first among 9,000 students from across the country.

2020 Personal Finance Challenge State Champions

Second Place

Troy High School

Fullerton, California

Teacher: David St. Clair

Cassia Yeo, Shivana Anand, Jonathan Chang, Pratinav Sharma

First Place

Adrian Wilcox High School

Santa Clara, California

Teacher: Anthony Raffetto

Shaunak Kale, Shivaansh Kapoor, Jonathan Chang, Pratinav Sharma

Third Place

El Segundo High School

El Segundo, California

Teacher: Bonnie Maye

Leah Abitante, Vincent Costa, Jesus Soria, Jonathan Anderson

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