Ohio Personal Finance Standards & Graduation Requirements
Ohio requires a half-unit standalone financial literacy course to graduate, beginning with the class of 2026.
Ohio at a glance
- Requirement
- Standalone course required
- Legislation or authority
- HB 110 (2021 budget) → ORC 3313.603 financial literacy requirement
- Passed
- Effective July 1, 2022
- Takes effect
- Applies to students entering grade 9 on/after July 1, 2022
- First graduating class affected
- Class of 2026
- Course length
- One-half (0.5) unit standalone financial literacy course
- State standards
- Ohio Financial Literacy Standards & Model Curriculum (ODEW)
What Ohio requires
Ohio requires a half unit of financial literacy, enacted through the HB 110 budget and codified at ORC 3313.603. It applies to students entering grade 9 on or after July 1, 2022 — the class of 2026 is the first affected.
Ohio is unusual in requiring teachers to hold a validated financial literacy license or credential to teach the course. ODEW publishes the Financial Literacy Standards and a model curriculum. Students on a career-tech path meet the requirement differently; everyone else takes the standalone half-credit.
Last reviewed against official sources on 2026-07-15.
How Rapunzl maps to Ohio standards
Rapunzl's curriculum is built on the Council for Economic Education's six pillars. Here is how they line up with the Ohio framework.
| Ohio strand | CEE pillar | Rapunzl modules |
|---|---|---|
| Earning income | Earning Income | Taxes & IncomeCareers In Finance |
| Spending & budgeting | Spending | The Basics Of BankingBuying Your First HomePaying For College |
| Saving & investing | Investing | Welcome To The Stock MarketWhat Makes A Good Stock?ETFs & Mutual Funds |
| Managing credit & debt | Managing Credit | The Power & Risks Of CreditHow To Make Loans Work For You |
| Managing risk & insurance | Managing Risk | Diversification & RiskInsurance & Retirement |
| Financial decision-making | Financial Decision-Making | Financial StatisticsTop Investor Strategies |
Educators can request a full Ohio standards crosswalk through the Educator Dashboard.
Why Ohio schools choose Rapunzl
Rapunzl pairs a standards-aligned curriculum with a real-time investment simulator, so students learn personal finance by making real decisions with simulated $10,000 portfolios priced on live market data — not by reading about it. The curriculum scales from a three-week unit to a 28-week year-long course, which means it fits whichever shape Ohio's requirement takes in your district.
- 100,000+students have completed Rapunzl's curriculum
- 93%average financial literacy scores on national test over past 5 years, 24% above average
- 31interactive modules that can be customized into a course progression for your classroom
- 20+hours of gameplay in 2 interactive mini-games alongside our investment simulator and financial calculators
Teachers get an educator dashboard with grade export and standards crosswalks, English and Spanish materials, screen-reader accessibility, and a free national scholarship competition their students can enter each January.
Ohio personal finance requirement FAQ
Ohio requires a half-unit standalone financial literacy course to graduate, beginning with the class of 2026.
The requirement is set by HB 110 (2021 budget) → ORC 3313.603 financial literacy requirement.
Takes effect: Applies to students entering grade 9 on/after July 1, 2022.
One-half (0.5) unit standalone financial literacy course.
Ohio's requirement is a standalone course requirement.
In practice that means a dedicated class of its own, taken for credit, rather than a few personal finance lessons folded into another subject.
The Class of 2026 is the first graduating class that has to meet it, so earlier classes are not held to the requirement.
Timeline: Applies to students entering grade 9 on/after July 1, 2022.
If you are planning a course now, that timeline is the window to have curriculum in place before Ohio starts holding students to it.
Ohio Financial Literacy Standards & Model Curriculum (ODEW).
Rapunzl's curriculum is built on the Council for Economic Education's six pillars: Earning Income, Spending, Saving, Investing, Managing Credit, and Managing Risk. Those pillars map to every strand in the framework, which is why the same course can satisfy standards that are worded differently from one state to the next.
Yes. Rapunzl's modules and real-time investing simulator cover the CEE six pillars, and those pillars crosswalk to the Ohio strands listed on this page.
Students learn by making real decisions with a simulated $10,000 portfolio priced on live market data, and teachers get an educator dashboard with grade export, materials in English and Spanish, and screen-reader accessibility.
Request a demo and we'll send the Ohio standards crosswalk along with classroom access.
Bring Rapunzl to your Ohio classroom
Explore the curriculum and real-time simulator free for 30 days. Tell us about your school and we'll send your all-access demo along with the Ohio standards crosswalk.
Request DemoPersonal finance requirements in other states
- Alabama Standards
- Alaska Standards
- Arizona Standards
- Arkansas Standards
- California Standards
- Colorado Standards
- Connecticut Standards
- Delaware Standards
- Florida Standards
- Georgia Standards
- Hawaii Standards
- Idaho Standards
- Illinois Standards
- Indiana Standards
- Iowa Standards
- Kansas Standards
- Kentucky Standards
- Louisiana Standards
- Maine Standards
- Maryland Standards
- Massachusetts Standards
- Michigan Standards
- Minnesota Standards
- Mississippi Standards
- Missouri Standards
- Montana Standards
- Nebraska Standards
- Nevada Standards
- New Jersey Standards
- New Mexico Standards
- New York Standards
- North Carolina Standards
- North Dakota Standards
- Oklahoma Standards
- Oregon Standards
- Pennsylvania Standards
- Rhode Island Standards
- South Carolina Standards
- South Dakota Standards
- Tennessee Standards
- Texas Standards
- Utah Standards
- Vermont Standards
- Virginia Standards
- Washington Standards
- West Virginia Standards
- Wisconsin Standards
