Financial literacy, made practical
Understand your money, one clear idea at a time.
Short lessons, a plan built for your situation, and an AI coach that shows its working.
No card, no bank login. Everything works before you sign up.
Sprout coach
Education, not advice
Ask me anything about money. I'll explain it in plain English, and any numbers come from real calculators.
- 20short lessons, each with a quiz
- 6modules, from zero to investing
- 4calculators that show their working
- 0bank logins, ever
What's inside
Three ways in. Start anywhere.
Learn the basics, build a plan, or just ask. Each part works on its own, in any order.
A course that starts from zero
20 short lessons in 6 modules, from why invest at all to spotting scams. Each ends with a quick quiz, and a glossary explains the jargon.
See the courseA plan for your situation
Take a short risk quiz and add your savings and debts. You get a step-by-step money roadmap and a target range for how much of your investments to keep in stocks.
Build my planYour money roadmap
Example- Build a starter cash buffer
- 2Pay off high-interest debt
- 3Get your full employer match
An AI coach that shows its working
Ask anything about money and get a plain-English answer. Numbers come from real calculators, and switches next to the chat control what it sees.
Ask a questionWhat the coach can see
- Past chatsOn unless you turn it off
- Plan and portfolioOn once you save a plan
- TransactionsOff until you share them
Try it now, no account needed
Small amounts, given time, add up.
Move the sliders to see how much of a long-term balance comes from growth rather than deposits.
Compound growth calculator
See how a starting amount and a monthly habit can grow.
An assumption, not a promise. Real returns change every year and can be negative.
- Balance after 20 years
- $95,718
- You put in
- $49,000
- Growth
- $46,718
Growth makes up 49% of the balance so far. Compounding speeds up the longer money stays invested.
How this is calculated
Each month, the balance grows by one twelfth of the yearly return, then your monthly amount is added:
balance = balance × (1 + 6% ÷ 12) + $200
It assumes the same return every year. It doesn't include inflation, fees or taxes, which all reduce real-world results.
Built to be trusted
Honest about money. Careful with your data.
Education, not advice.
It explains options, trade-offs and risks. It never tells you what to buy or sell, and never promises returns.
Maths you can check.
Projections and fees come from tested calculators, not the AI's own arithmetic, with the assumptions stated.
Honest about limits.
For big or complicated decisions, it suggests a qualified professional, such as a fee-only fiduciary advisor.
Saved in your browser first.
Your plan, budgets, chats and progress stay in this browser. Nothing goes to an account unless you create one.
No bank logins.
Bring in transactions from a CSV file or screenshots. Sprout can't connect to your bank, move money or place trades.
Screenshots are read, not kept.
Long account numbers are cut to the last four digits, and nothing is saved until you confirm.
Your account
Try everything first. Sign up to keep it.
Without an account
- Every lesson, tool and calculator, and the assistant
- Your work saved in this browser
- Clearing your browser or switching devices starts you over
With an account
- Chats, course progress and quiz scores on every device
- Your plan, portfolio, budgets and imported transactions, kept in sync
- What's already in this browser is merged in when you log in
- Delete your account and its data at any time
You'll confirm your email address before your account is created. You can also sign up with Google. Signing out removes your data from that device; it stays in your account.
Questions
Questions before you start?
Straight answers about what Sprout costs, your data, the AI and accounts.
See all questions