Students - FutureSmart - MassMutual Foundation: A nationwide initiative that brings critical financial education to middle and high school students across the United States.


FutureSmart provides digital financial education for middle school students and empowers them to effectively manage their finances, make sound decisions, and become financially responsible.


Through a story-based narrative and interactive exercises, students act as the Mayor of Townville and need to quickly learn to make real-life decisions about their personal finances, as well as how to achieve important goals around saving money, budgeting, education, and career planning.

Course Experience

Why learn about financial education?

By the time adolescents reach middle school, they are able to understand complex economic concepts. Yet the majority of today’s students are not receiving the personal finance education they need to navigate the modern financial world.

The MassMutual Foundation is confident that financial education is the key to increasing financial literacy. In fact, a two-year study concluded that 90% of students taking FutureSmart experienced a significant increase in knowledge gain.

Through our partnership with EVERFI, a leading social impact education innovator, we will reach nearly six million students by 2025.



Get your class started on FutureSmart.

Bring the FutureSmart lessons to life at home

Whether at home or on the go, students can use these interactive resources to practice their lessons and reinforce the knowledge they gained in the FutureSmart course.

FutureSmart Glossary

Students can reference the vocabulary in the FutureSmart course and easily look up the definitions for each word or phrase.

Budgeting Priorities worksheet

Students will think back to their time as the Mayor of Townville and make budgeting decisions for their FutureSmart town.

Comparing Stocks worksheet

Students will have an opportunity to connect investing concepts to their everyday lives.

Ways to Pay worksheet

Students will evaluate whether payments are best made with a credit card or a debit card.

Career Wheel worksheet

Students will explore the skills, characteristics and training needed for different types of jobs and careers.

Investing in You worksheet

By answering a few personal questions, students will begin to formulate a plan for their continued education and career training.

Blueprint MASH worksheet

Students will evaluate their personal values and priorities so that they can see the choices and financial decisions that will put them on a path to their ideal future state.

Companion mobile app

Students have access to a mobile app that extends important lessons from the course into their everyday lives through a fun financial literacy game. This simulation-based experience takes students through the financial decisions they’ll face over the course of their lives and models positive financial behaviors along the way.

The FutureSmart app is available in English and Spanish.