Know Your Dough.
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.
Free to start · No credit card
The Gap
Schools teach algebra.
21
states don't require personal finance education in high school
Even 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 the gap.
Our Mission
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 moreWhy It Matters
The gap is real. The solution? Bread Head.
Congressional App Challenge Winner.
Bread Head was selected as the winning app for Minnesota's 5th Congressional District, a nationwide competition run by the U.S. House of Representatives.
Everything in one place
Learn. Simulate. Reflect.
Real topics. Not textbook examples.
Bite-sized lessons on the money decisions that actually come up: reading your first pay stub, understanding your credit score, filing taxes, comparing apartments.
- 5–7 minute lessons
- Built around teen decisions
- Progress that sticks
See the tradeoffs before they cost you.
Drag dollars between needs, wants, savings, and goals. Every adjustment updates your month in real time. A budget sandbox, not a spreadsheet.
- Drag-and-drop dough
- Scenario testing
- What-if without consequences
Turn your choices into patterns.
A private money journal with short prompts designed for 2–3 minutes. Notice where your money goes. Notice how it makes you feel. Notice what you'd change.
- Short prompts, real insights
- Weekly pattern view
- No judgment, ever
The Curriculum
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.
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 storiesShort slides, one idea at a time, no walls of text
- Answer to unlockKey concepts are gated behind a question, so there's no skimming past what matters
- Wrong answers teach tooSee exactly why it's wrong, and why the right answer is right
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 promptsDesigned to fit in a break, not carve out a block
- Pattern viewSee your spending emotions over weeks, not days
- No judgmentThis is a mirror, not a report card
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.
- CategoriesYour budget, organized the way you live: Groceries, Rent, Dining, Savings
- Fixed paymentsRecurring bills committed before you spend a dollar
- TransactionsEvery expense and income, tagged and counted
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 ScoreRewards consistency: logging, reflecting, staying on budget
- Earn CrumbsCurrency for building good money habits over time
- Build your SandwichAchievements that stack as you grow
Institutional Grade
Bringing Bread Head to every classroom.
Bread Head is built to scale. Whether you represent a district, a youth nonprofit, or a foundation, we want to bring this to every teen who needs it, regardless of zip code.
Partner with Bread Head →5–9
minutes per lesson
free for students
Individual Students
No school or program required. Any student can download Bread Head for free and start learning immediately, on any device, at any pace.
Get in touch →Schools & Districts
Integrate Bread Head into existing economics or life skills courses. Standards-aligned lessons, progress dashboards, and zero cost to students.
Get in touch →Youth Organizations
Bring financial literacy to after-school programs, summer camps, and community centers. Self-paced format works without a classroom structure.
Get in touch →Corporate & Foundation
Fund access for underserved communities, sponsor a cohort, or partner to build curriculum around your financial products, responsibly.
Get in touch →