The entire CFP exam question bank is free: 2,704 practice questions across eight principal topics including insurance, investments, tax, retirement, estate planning, and professional ethics. From FreeFellow, where 'free' is in the brand name. No trial, no signup to browse, no credit card.
2,704 questions8 topics71 lessons2026 syllabus
Built by Jeffrey Ting, FSA, CFA, who passed thirteen of the hardest finance exams on the first attempt. The full question bank and worked solutions are free forever.
Instant readiness score in about 6 minutes. No signup to start.
Sample Questions
Question 1
Easy
The 2026 annual gift exclusion per donee is:
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Correct Answer: A
Solution
A is correct.
The 2026 annual gift exclusion is $19,000 per donee. This amount continues to be indexed for inflation under existing law; it was not specifically modified by OBBBA. Gifts at or below the annual exclusion do not use the unified lifetime exemption and do not require filing Form 709. Gift-splitting between spouses doubles the exclusion to $38,000 per donee.
Question 2
Medium
Financial self-efficacy refers to which of the following?
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Correct Answer: C
Solution
C is correct.
Financial self-efficacy refers to an individual's confidence in their own ability to successfully manage their finances and achieve financial goals. It is rooted in Bandura's broader concept of self-efficacy and reflects perceived competence rather than actual knowledge or wealth.
Question 3
Hard
A prepaid tuition 529 plan differs from a 529 savings plan primarily in that:
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Correct Answer: A
Solution
A is correct.
A prepaid tuition plan allows families to purchase future tuition credits at participating public institutions at today's prices, hedging against tuition inflation. If the student attends a non-participating institution, value may be limited. By contrast, 529 savings plans invest in portfolios with returns depending on market performance but can be used at any eligible institution for qualified expenses.
What CFP candidates are saying
“I took the CFP exam yesterday and provisionally passed on my first attempt, thanks to your website. There were a few curveballs, things I had no clue about, but the site was so thorough with the explanations and logic of the questions that I could always eliminate at least two of the options. I'm sure I wouldn't be where I am today without your help.”
Matt H.
“It helped a lot and was a critical part of my study sessions leading up to the CFP exam last month on the 23rd, which was my third attempt. I hammered the hard questions the most, especially in Tax, Insurance, and Estate, which were my weakest sections. With lots of happiness, I passed.”
Dustin S.
“FreeFellow helped me pass the CFP. The practice questions matched the real exam in structure and difficulty, and the feedback explained why I got questions wrong (not just what). Being able to drill specific topics or switch to full-length exams made adapting my prep easy.”
Brock
Others charge $1,000+. FreeFellow gives you the 70% you need to pass for free.
The full question bank, written solutions, lessons, formula sheet, mixed practice, and readiness tracking for your CFP prep are free forever. No trial period, no credit card. Become a Fellow ($79/qtr) only if you want mock exams, flashcards, analytics, and a personalized study plan.
What's Free, and What Fellow Unlocks
The 70% of CFP prep you actually need to pass (questions, solutions, lessons, mixed practice) is free forever. The remaining 30% (mocks, flashcards, analytics, study plan) unlocks when you become a Fellow. Use the free tier as long as you like.
✓
Free forever
$0 · no credit card
2,704 practice questions with detailed solutions
71 full lessons
Mixed practice sessions across all topics
Formula sheet and reference materials
Readiness tracking with pass-probability estimates
No paywalls on questions · no trial period · no credit card
✦
Fellow unlock
$39 / mo · $79 / qtr per track · $199 / yr as Fellow Plus
Timed mock exams with weighted scoring
Spaced-repetition flashcards backed by memory science
Topic-level practice to drill weak areas
Performance analytics by topic and difficulty
Personalized study plan that adapts to your exam date
How FreeFellow Compares
Per-exam pricing across the major prep providers. The FreeFellow core (questions, solutions, lessons) is free forever. The optional Fellow tier is $79 per quarter, a small fraction of what traditional providers charge.
FreeFellow
$0 · Fellow $79/qtr
Dalton Education
$1,500–$2,300
Kaplan
$599–$1,499
Traditional providers bundle prep into a single up-front fee. FreeFellow keeps the question bank and lessons free forever and charges only for deeper study tools (mocks, flashcards, analytics). All numbers are competitor list prices as of 2026.
Everything You Need to Pass
The free tier covers what most candidates need to pass. Fellow ($79/qtr) adds the pacing tools.
✓
2,704+ Practice QuestionsFREE
Every question includes a detailed, step-by-step solution.
Dates mark the start of each testing window. Projected dates follow CFP Board's historical exam cadence for sittings the body has not yet published. Confirm dates and registration deadlines directly with CFP Board before registering.
Exam date
Status
Register by
Oct 29, 2026
Confirmed
Oct 13, 2026
Mar 16, 2027
Confirmed
–
Jul 13, 2027
Confirmed
–
Oct 28, 2027
Projected
–
Frequently Asked Questions
How many free CFP practice questions does FreeFellow have?
FreeFellow currently offers 2704 free CFP practice questions across 8 topics, each with a detailed step-by-step solution. Questions span three difficulty levels and are aligned to the 2026 syllabus. The question bank is updated regularly.
What CFP topics are covered?
The questions cover 8 topics: Professional Conduct and Regulation, General Principles of Financial Planning, Risk Management and Insurance Planning, Investment Planning, Tax Planning, and 3 more. Each topic page shows your progress and lets you filter by difficulty level. You can practice by topic to target your weak areas or take mixed-topic practice exams.
Does FreeFellow have CFP study lessons?
Yes. FreeFellow includes 71 comprehensive text lessons for CFP, covering key concepts and worked examples for each topic. Lessons are free to read with a free account (no card) and are designed to complement question practice.
Is FreeFellow really free for CFP prep, or is there a catch?
No catch. The 70% of CFP prep you actually need to pass is free forever: the full question bank of 2704 practice questions, detailed solutions on every question, 71 lessons, mixed practice, the formula sheet, and readiness tracking. No trial period, no credit card. The remaining 30% (timed mock exams, flashcards with spaced repetition, performance analytics, and a personalized study plan) unlocks when you become a Fellow.
What does the $79 Fellow tier unlock for CFP?
Fellow ($39 per month or $79 per quarter, per track; the $199 annual is Fellow Plus) unlocks four things on top of the free tier: timed mock exams with weighted scoring that match the real exam blueprint, spaced-repetition flashcards built on memory science from cognitive psychology, topic-level practice to drill weak areas, performance analytics broken down by topic and difficulty, and a personalized study plan that adapts to your exam date. Everything else (questions, solutions, lessons) stays free.
How does FreeFellow compare to Dalton, Kaplan, or BTS on price?
Traditional CFP prep providers charge $200 to $3,500 for a single exam, paid upfront. FreeFellow keeps the question bank, written solutions, and lessons free forever. The optional Fellow tier is $79 per quarter (a small fraction of what the big providers charge) and adds mock exams, flashcards, analytics, and a study plan. You can pass CFP entirely on the free tier.
How should I use FreeFellow to study for CFP?
Start with the lessons to build your conceptual foundation, then move to topic-based practice to identify weak areas. As your exam date approaches, switch to timed practice exams under realistic conditions. The free tier gives you everything you need to build mastery; if you want pacing tools (mock exams, analytics, a study plan) and long-term retention aids (spaced-repetition flashcards), become a Fellow.
What is the CFP exam pass rate?
The CFP Board reports a first-time pass rate of approximately 65% and an overall pass rate (including repeat takers) of approximately 60%. The pass rate for repeat takers is approximately 50%. These figures are based on CFP Board published statistics.
What are the CFP exam eligibility requirements?
To sit for the CFP exam you need a bachelor's degree (or higher) from an accredited institution, completion of a CFP Board-registered education program, and either 6,000 hours of professional experience or 4,000 hours of apprenticeship experience (CFP Board).
How many questions are on the CFP exam?
The CFP exam consists of 170 multiple-choice questions in a single sitting. Questions are scenario-based and cover all eight principal knowledge domains. The CFP Board estimates 74-100% of questions require application or analysis-level thinking, not memorization (CFP Board).
About FreeFellow
Jeffrey Ting
FSA, CFA · Founder
FreeFellow was built by Jeffrey Ting, a credentialed actuary and CFA charterholder who passed thirteen of the hardest exams in finance on the first attempt, and paid four-figure prep fees for every one. The learning itself was always free. The price was a moat.
So he started writing his own questions, then lessons, then mock exams, until it grew into a full prep platform covering 35 finance credentials with more than 40,000 original practice questions. The name says exactly what it is: the question bank is free, and Fellow is what you become once you pass.
01
Cost shouldn't decide who gets in.
The exam is a fair gate. A four-figure prep course is not. FreeFellow takes the second gate down, so the exam is the only one left.
02
Free should mean free.
No trial clock, no email gate, no credit card. The question bank, worked solutions, lessons, and readiness score stay free, and they are enough to pass.
03
Built by someone who sat where you sit.
He paid for the big-name courses, found nothing he respected, and built the prep he wished had existed. Not a marketing team that has never sat an exam.
