The credibility anchor

Every number. Every source. Nothing hidden.

This is the research appendix. Conservative assumptions are called out openly — they make the case stronger, not weaker. Hover any “sourced” badge for the calculation and primary source.

The Pool

From 137 billion swipes to $68.6 billion a year.

137B
total annual US card transactions (credit + debit)
$0.50
average roundup per transaction
$68.6B
annual roundup pool

The Classroom Team Model

One team serves 56 students a year — with 20% of paid hours protected for planning.

=
56students/yr

1 classroom team = 1 lead teacher + 2 teachers + 1 paraprofessional, serving 56 students a year across 56,160 student-learning-hours — with 20% of paid hours protected for planning.

$385,121
fully-loaded cost per classroom team / year
879,630
classroom teams to staff all US public K-12 in Year 1
updated
$338.8B
total Year 1 staffing cost — teaching + scholarships only, not buildings or buses

The 20% Protected-Planning Commitment

This is not a loophole. It's the reason teachers don't burn out.

  • 55% Direct classroom instruction
  • 25% Prep, grading, family communication
  • 20% Protected planning & professional development

Source: EdWeek Research Center / Merrimack College Teacher Survey 2022 · NEA Educator Pay 2025.

Per Citizen

The full staffing cost per adult, fully loaded. Round-ups already cover a fifth of it on day one.

updated
$1,268.78
full Year-1 cost per adult
$256.93
already covered by round-ups, per adult
updated
$84.32/mo
the remaining gap, per adult per month

The 15-Year Independence Curve

The hours the pool must fund alone shrink as choice programs and local match co-fund network schools — until spare change carries it all.

$0B$70B$140B$210B$280B$350BYr 0Yr 3Yr 7Yr 10Yr 15Round-up pool · $68.6BYear 15: pool covers 105%$3.5B surplus — federally independent

Co-funding assumptions: 35+ state money-follows-the-child programs (EdChoice 2025) · state/local match. Cost model: NEA 2024-25 · BLS 2024 · College Board 2025.

Run It Yourself

Move the slider. The model recomputes live.

If 10 million adults join…

1M267M (all US adults)
$2.6B
Annual pool generated
6,671
Classroom teams funded
0M
Students taught
1%
Share of US public-school students
387
Teachers' college funded / yr