๐ŸŽ“ The Academy ยท Home

SmartRates Academy

Two free, plain-English learning streams โ€” from the everyday money skills you use now to the markets you'll grow with. Pick a path to begin.

๐ŸŽ“ 2 streams๐Ÿ“‚ 16 tracksโœ… 110 of 110 lessons live๐ŸŽฏ Beginner โ†’ Advanced

Featured market lessons

Market Academy โ†’

๐Ÿงญ Guided paths โ€” learn by goal

All paths โ†’
Build Credit From Scratch3 lessons ยท ~18 minGet Out of Debt4 lessons ยท ~22 minBudgeting From Zero4 lessons ยท ~24 minBuying Your First Home4 lessons ยท ~22 min

Choose your stream

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Market Academy

Investing & the stock market

Investing and the stock market โ€” from your first share to analysis, trading, dividends, and strategy.

๐Ÿ“˜ Stock Market Basics๐ŸŒฑ Investing for Beginners๐Ÿ” Stock Analysis Academy๐Ÿ“Š Trading Education๐Ÿ’ต Dividend Investing Hub๐Ÿ–๏ธ Retirement Investing๐Ÿ“‰ Market Indicators & Economics๐Ÿง  Stock Market Psychology๐ŸŽฏ Investment Strategies๐Ÿ•ฐ๏ธ Historical Market Events
10 tracks ยท 92 lessonsEnter Market Academy โ†’
๐Ÿ’ณ

Money Essentials

Everyday personal finance

The everyday money skills that come before investing โ€” credit, mortgages, debt, budgeting, taxes, and insurance.

๐Ÿ’ณ Credit & Credit Cards๐Ÿ  Mortgages & Home Buying๐Ÿ’ฐ Debt & Loans๐Ÿช™ Budgeting & Saving๐Ÿงพ Taxes Explained๐Ÿ›ก๏ธ Insurance Basics
6 tracks ยท 18 lessonsEnter Money Essentials โ†’

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๐Ÿ› ๏ธ Companion Calculators

Learn faster by running your own numbers. These tools pair directly with lessons across the academy โ€” for example, the dollar-cost averaging guide pairs with the Compound Interest Calculator below.

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Compound Interest Calculator โ†’

See how regular contributions and time turn into real growth โ€” the engine behind dollar-cost averaging.

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Investment Return Calculator โ†’

Project portfolio growth with contributions, rate of return, and inflation.

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401(k) Calculator โ†’

Model employer match and 2026 contribution limits for retirement investing lessons.

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Capital Gains Tax Calculator โ†’

Estimate short- vs. long-term tax owed on investment sales.

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Dividend Yield Calculator โ†’

Turn dividend yield and reinvestment into projected annual income.

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Stock Profit / Loss Calculator โ†’

Check the math on a trade, including commissions โ€” useful for trading & risk-management lessons.