Financial education that changes behavior

Learn to manage money.
Actually change how you use it.

FinWise Academy combines behavioral science, AI-assisted educational guidance, and structured learning to help U.S. adults build real financial skills — not just knowledge.

Join the waitlist See how it works
82
Early users served
98%
useful/very useful
67
Paying clients
9:41●●●
Your learning path
Good morning, Marcelo
U.S. Credit System
Complete
Credit Card Usage
In progress
Budgeting and Expenses
Next up
Continue: Credit Card Usage →
Weekly streak
21 days
Keep it going ↑
Action task done
12 of 15
80% complete
The problem

Financial illiteracy is a national crisis

51% of U.S. adults lack basic financial literacy. That number hasn't improved in eight years — because most programs deliver information without changing behavior.

136M
U.S. adults lack financial literacy
TIAA Institute / GFLEC, 2025
$243B
Lost annually to poor financial decisions
NFEC, 2024
2×
More likely to be overburdened by debt
TIAA Institute, 2025
38%
Gen Z financial literacy score
GFLEC Index, 2025
How it works

Four steps to lasting financial habits

Unlike generic finance apps, FinWise Academy is built around behavior change — not just information delivery.

1
Financial behavior quiz
A 6-question diagnostic assesses your credit habits, budgeting practices, and financial goals to generate your personal baseline profile.
2
Personalized learning path
The platform assigns priority modules and an initial action task based on your quiz results. No generic content — every path is yours.
3
Learn and act
Short 10-minute lessons end with a decision prompt and a concrete action task. Real decisions, not theory. AI-assisted guidance supports each step.
4
Track your habits
Your progress dashboard tracks lessons completed, action tasks done, habit streaks, and confidence over time — making the change visible.
Learning modules

Real financial skills,
built one lesson at a time

Each module connects financial concepts to real decisions you're already facing — and ends with an action task you can do today.

🏦

How the U.S. Credit System Works

Credit scores, credit history, payment behavior, and how your financial decisions affect your long-term opportunities in the United States.

Validated with users
💳

Credit Card Usage and Behavior

Statement cycles, utilization rates, APR vs fees, payment timing, and how to use cards without letting habits control your finances.

Validated with users
📊

Budgeting and Recurring Expenses

Distinguish intentional expenses from habitual ones, identify recurring costs, and plan for irregular expenses before they become financial shocks.

Validated with users
📋

Understanding Fees and Interest

Late fees, overdraft charges, unnecessary subscription costs, and the real price of carrying a balance month to month.

Validated with users
🎯

Debt Education Strategies

Practical frameworks for evaluating debt decisions, prioritizing payoff, and breaking the cycle of high-interest borrowing.

Validated with users
💰

Savings Habits and Goals

Building consistent savings habits, emergency fund strategies, and how to automate financial discipline into your daily routine.

Validated with users
Pricing

Affordable for everyone
who needs it most

A tiered model designed to balance accessibility for individuals with sustainable growth. Start free, upgrade when you're ready.

Free
$0
Always free
Try the platform and experience the approach before committing.
Limited lessons on budgeting and credit basics
Basic budgeting tracker
Credit behavior quiz
Weekly financial tips
Join the waitlist
Most popular
Standard
$99
per year · $8.25/month
Full access to structured financial education and practical tools.
Full learning track access
Interactive budgeting tools
Credit usage simulators
Debt repayment planner
Monthly progress reports
Join the waitlist
Premium
$199
per year · $16.58/month
AI-assisted educational guidance and adaptive learning support for deeper change.
Everything in Standard
AI-assisted educational guidance in every module
Personalized learning action plans
Daily behavior-change tasks
Spending pattern alerts
Join the waitlist
Institutional
$5–7
per user/month · volume pricing
For nonprofits, colleges, credit unions, and employers serving groups.
All Premium features
Partner reporting dashboard
Group onboarding support
Custom branding options
Train-the-trainer workshops
Contact us
Optional add-on
Educational Support Sessions

For users who want individualized support beyond the platform's AI-assisted guidance. Sessions are educational and decision-support oriented, covering budgeting, credit behavior, spending patterns, and financial habits. They do not constitute legal, tax, investment, credit repair, or regulated financial advisory services.

$49–$129
per session
Learn more
What users say

Real people. Real financial decisions.

From newcomers building credit history to families rethinking household budgets — FinWise Academy meets people where they are.

"FinWise Academy helped me better understand financial choices I had to make as an international professional in the United States. It gave me a clearer way to think about credit, banking, budgeting, and fees before making decisions."
T
Tochukwu O.
Senior Associate, EdSolutions · Philadelphia, PA
"The platform took concepts that felt abstract or opaque and connected them to actual decisions I was facing day to day. I opened accounts with more confidence, made better choices about credit, and started thinking about my financial habits differently."
I
Inara B.
Ph.D. Student, Columbia University · New York, NY
"I made a number of specific changes over about a year. The ones that stuck were the ones where I could see a clear before and after in how we were spending. What I got out of it was less about the number and more about having a system that makes financial decisions easier to evaluate."
T
Thiago A.
President, TT Investment Group · Montverde, FL
Institutional partners

Bringing financial education
to communities that need it

FinWise Academy is developing post-launch institutional pathways with organizations serving immigrants, students, and financially underserved communities across the United States.

Champion Christian College
Serving approximately 1,500 immigrant students in its Church Ministries program in Hot Springs, Arkansas, many adapting to financial life in the United States.
Education · Hot Springs, AR
Family Church
Pastoral community serving immigrant families in Orlando, Florida. Exploring FinWise Academy as a practical financial education resource for families building their lives in the U.S.
Community · Montverde, FL
BrazilPays
Payment and financial services company serving Brazilian and Latin American clients across Florida and other U.S. states. Signed MOU to explore a post-launch educational partnership for its client and community network.
Financial Services · Florida
About the founder
Marcelo Augusto Falciano
Marcelo Augusto Falciano
Founder, FinWise Academy

Built at the intersection of financial behavior, education, and technology

FinWise Academy was founded by Marcelo Falciano, whose career has been dedicated to the intersection of education, behavioral change, and financial literacy — across two countries and over a decade.

🎓

Master of Arts, Teachers College, Columbia University (2024)

Instructional Technology and Media. Merit scholarship recipient. MVP and paid validation phase during OPT period: 82 total users, 67 paying clients, ~USD 95K in receipts, and 98% reported useful or very useful among structured feedback participants.

🏢

Director & Partner, Geekie (2013–2022)

Led a 12-person team growing Geekie from 54 to 214 schools and $1.5M to $21M in revenue. Youngest Partner in company history.

📄

Peer-reviewed publication in financial behavior (2014)

"Effects of Credit Card Usage on Young Brazilians' Compulsive Buying," Young Consumers, Emerald Insight. Co-authored with research supervisor at FGV-EAESP.

🏫

Financial educator, BrasilPrev (2011–2013)

Delivered 40 financial education sessions to 5,000 students on behalf of Brazil's largest private pension company. 94% satisfaction rating.

Get started

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