The money stuff school forgot to teach you.

Bite-sized lessons on pay stubs, credit, and taxes. A budget simulator that shows tradeoffs before they cost you. A private journal that turns choices into habits.

Start Learning Free →

501(c)(3) nonprofit · Free for students

BUDGET · SAVE · INVEST · GROW · BUDGET · SAVE · INVEST · GROW ·
BUDGET · SAVE · INVEST · GROW · BUDGET · SAVE · INVEST · GROW ·
Bread Head app welcome screen
Budgeting Simulator
Food & Drinks · 25%$246 left
Streak
12
days in a row
73%
of teens have never seen a pay stub, yet they're expected to manage their own money within months of graduation.
Lesson complete!
Unit 4 · Credit and Loans
+8Gems
Bread Head
Scroll to loop
Congressional App Challenge award ceremony, Minneapolis
2025 Winner · MN-05

Winner of the Congressional App Challenge.

Bread Head took Minnesota's 5th District in the national student technology competition run by the U.S. House of Representatives. The award was presented at a congressional district townhall in Minneapolis.

Partner with us →
Breakthrough Twin CitiesBread Head in the hands of a full cohort for their 2026 summer program.Young Kings & Queens FoundationMentoring and life skills for youth ages 10–17 across the Twin Cities.

501(c)(3)

registered nonprofit

95

lessons across 10 units

Free

for students, always

Schools teach algebra.

Not how to read a pay stub.

Not how a mortgage works.

Not what a credit score actually means.

Twenty-one states still don't require personal finance to graduate, and the states that do rarely go beyond a checkbox. A semester of theory doesn't build awareness of your own habits, your own patterns, or what your choices are actually costing you. Bread Head closes that gap.

68% / 31%

of teens want a personal finance class. Only 31% can take one at school.

Source ↗

$246B

lost every year by Americans to financial illiteracy.

Source ↗

$34K

average total debt for Gen Z entering adulthood.

Source ↗

Bread Head gives every teenager the financial literacy and real-world money skills to budget, save, and build wealth, so they can take control of their future no matter where they're starting from.

See more

Real topics. Zero condescension.

10 units. Each one 8–15 mini lessons, 3–5 minutes long. Built around decisions real teens actually have to make.

Bread Head lessons
Bread Head journal
01 · Learn

95 lessons school never taught.

Bite-sized, unit by unit, from your first pay stub to credit and taxes. Each lesson ends in one clear takeaway, not a quiz you forget.

  • Tap through like stories
    Short slides, one idea at a time, no walls of text
  • Answer to unlock
    Key concepts are gated behind a question, so there's no skimming past what matters
  • Wrong answers teach too
    See exactly why it's wrong, and why the right answer is right
See more on Lessons →
02 · Journal

Reflection is the skill schools skip hardest.

You can read every lesson about spending and still blow your paycheck, because habits aren't built by knowing. They're built by noticing, pausing, and choosing differently next time.

  • Short prompts
    Designed to fit in a break, not carve out a block
  • Pattern view
    See your spending emotions over weeks, not days
  • No judgment
    This is a mirror, not a report card
See more on the Journal →
03 · Budget

A budgeting simulator, not a spreadsheet.

Real deep-dive metrics: budget usage, free cash flow, spending momentum. Teens practice with play money before it's the real thing.

  • Categories
    Your budget, organized the way you live: Groceries, Rent, Dining, Savings
  • Fixed payments
    Recurring bills committed before you spend a dollar
  • Transactions
    Every expense and income, tagged and counted
See more on Budgeting →
04 · Progress

Streaks, crumbs, and a sandwich to grow.

A Behavior Score rewards consistency: logging, reflecting, staying on budget. Earn Crumbs and achievements as your money habits build.

  • Behavior Score
    Rewards consistency: logging, reflecting, staying on budget
  • Earn Crumbs
    Currency for building good money habits over time
  • Build your Sandwich
    Achievements that stack as you grow
See more on the App →

Your organization
could be next.

Breakthrough Twin Cities and the Young Kings & Queens Foundation already put Bread Head in front of their students. If you run a classroom, a program, or a fund that reaches teenagers, we can do the same for you, at no cost to the young people you serve.

The full app, free for every student

No per-seat cost, no cost to families, no ads or upsells. Budget approval is not a prerequisite for getting started.

95 standards-aligned lessons

Ten units, 3–5 minutes each, self-paced. Drops into an existing economics or life-skills course without new teacher training.

Progress dashboards for your staff

See who has started, who is engaged, and how far each student has gotten, without chasing anyone for updates.

Outcomes you can report

Participation and completion data your team can put straight into grant reporting and board updates.

We work with
Schools & districtsYouth organizationsCorporate & foundationIndividual students
7 roles · applications close Sept 14

Driven young people wanted.

Bread Head is built by high school and college students, and we are taking applications for seven positions across design, engineering, content, research, social, and partnerships. Semester-long, renewable, and you hear back in 2 to 3 business days. Applications close September 14. This is a spot on the team, not a signup for the app.

Apply here →See the roles

Your financial education starts now.

95 lessons, a budget simulator, and a private journal. Free on the App Store, or leave your email and we'll keep you posted.

No spam. No credit card. Unsubscribe anytime.