Financial literacy, made practical
Understand your money, one clear idea at a time.
Sprout teaches budgeting, saving, debt and investing in plain English. Learn with short lessons, build a plan for your own situation, and ask an AI coach that shows its working.
Everything works without an account. Sign up when you want your progress on every device.
Quick lesson
The Rule of 72
Divide 72 by a yearly return to estimate how many years it takes money to double.
12years to double at 6%
72 ÷ 6 = 12.0. The exact figure with yearly compounding is 11.9 years, so the shortcut is close.
What's inside
What you can do with Sprout
Use any part on its own, in any order. Everything works with or without an account.
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 planAn AI coach that shows its working
Ask anything about money and get a plain-English answer. Numbers come from real calculators, and it can read your plan so you don't repeat yourself. Switches next to the chat control what it sees.
Ask a question
Also in Sprout
A check-up for your investments
Add your holdings by hand, from a CSV or from screenshots. See what you really own, what fees cost you, how to rebalance with new money and what a market drop could mean.
Check my portfolioA clear view of your spending
Import a bank CSV or screenshots to see spending by category and month and spot recurring payments, then plan a budget for each month.
Open the dashboardCalculators you can check
Compound growth, fee drag, the Rule of 72 and a 50/30/20 budget, built on tested code with the assumptions spelled out.
Try the calculator
Who it's for
Made for people starting out
Especially teens and twenty-somethings making their first money decisions, and anyone who was never taught how money works. No background needed.
You're starting from zero
Learn how budgets, interest, debt and investing work, one short lesson at a time, in an order that builds on itself.
You're about to invest your first dollars
See what to sort out first, like an emergency fund and expensive debt, and how a simple, low-cost mix of funds works.
You saw a tip online
Run it through the before-you-buy check, or ask the coach what to look at. Sprout won't tell you to buy or sell; it helps you decide.
Try it now
Small amounts, given time, add up
Move the sliders to see how much of a long-term balance comes from growth rather than deposits. No account needed.
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.
Or ask the assistant
Pick a question and it will walk you through it.
Built to be trusted
Clear rules for what Sprout says, and for your data
What Sprout will and won't do
Education, not advice
Sprout explains options, trade-offs and risks. It never tells you which stock or coin 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.
Sourced market data
Prices come from Financial Modeling Prep, with the time they're from. If data is unavailable, Sprout says so instead of guessing.
Honest about limits
For big or complicated decisions, it suggests talking to a qualified professional, such as a fee-only fiduciary advisor.
What happens to your data
Saved in your browser first
Your plan, portfolio, budgets, transactions, chats and progress are kept in this browser. Nothing goes to an account unless you create one.
Switches for what the AI sees
The assistant uses your past chats unless you turn that off, your plan and portfolio once you save a plan or ask it about your portfolio, and your transactions only when you share them. Each has a switch next to the chat.
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
Each one is read by the AI to find the rows and isn't stored by Sprout. Long account numbers are cut to the last four digits, and nothing is saved until you confirm.
Your account
Try everything first. Sign up when you want to keep it.
An account is optional. It saves your work to your account, so it's there on every device you use.
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