The entire CFP exam question bank is free: 1,669 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.
2404 Questions
8 Topics
71 Lessons
3 Difficulty Levels
2026 Syllabus
AI-native · Pay less · Access more
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. Every lesson ships with AI-narrated audio, and every constructed-response item has a copy-to-AI prompt builder for your own ChatGPT or Claude. Become a Fellow ($59/qtr) only if you want mock exams, flashcards, analytics, AI essay grading, and a personalized study plan.
Everything You Need to Pass
The free tier covers what most candidates need to pass. Fellow ($59/qtr) adds the pacing tools.
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2,404+ Practice QuestionsFREE
Every question includes a detailed, step-by-step solution.
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71 Lessons + AI-Narrated AudioFREE
Every lesson ships with AI-narrated audio — study while you commute or walk.
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Mixed PracticeFREE
Cross-topic sessions to keep recall sharp.
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Readiness TrackingFREE
Pass-probability estimate that sharpens with every session.
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Copy-to-AI Essay PromptsFREE
Structured prompts you paste into your own ChatGPT or Claude for self-graded essay feedback.
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Flashcards & Spaced RepetitionFELLOW
SM-2 review cards for long-term retention.
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Timed Mock ExamsFELLOW
Full-length practice exams weighted to the real blueprint.
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AI Grading for EssaysFELLOW
Instant AI-graded feedback on constructed-response essays using the official rubric.
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Performance AnalyticsFELLOW
Topic-by-topic mastery breakdown with difficulty mix.
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Personalized Study PlanFELLOW
Adapts to your exam date and weakest topics.
What's Free — and What Fellow Unlocks
The 70% of CFP prep you actually need to pass — questions, solutions, lessons, mixed practice, AI-narrated audio, copy-to-AI essay prompts — is free forever. The remaining 30% (mocks, flashcards, analytics, study plan, AI essay grading) unlocks when you become a Fellow. Use the free tier as long as you like.
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Free forever
$0 · no credit card
2,404 practice questions with detailed solutions
71 full lessons with AI-narrated audio
Copy-to-AI essay prompts for your own ChatGPT or Claude
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
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Fellow unlock
$59 / qtr · $149 / yr per track
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
AI grading for constructed-response essays vs the official rubric
Personalized study plan that adapts to your exam date
How We Compare Save 90%+
Per-exam pricing across the major prep providers. The FreeFellow core (questions, solutions, lessons) is free forever — the optional Fellow tier is $59 per quarter, roughly 1/20th of what traditional providers charge.
FreeFellow core free
$0 · Fellow $59/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.
Sample Questions
Question 1
Easy
The 2026 annual gift exclusion per donee is:
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Correct Answer: C
Solution
C 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
Tax-loss harvesting is most beneficial for investors who:
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Correct Answer: D
Solution
D is correct.
Tax-loss harvesting is most beneficial for investors who have realized capital gains in taxable accounts because the harvested losses can offset those gains, reducing the current-year tax liability. The strategy involves selling depreciated securities to realize losses and reinvesting in similar (but not substantially identical) securities to maintain market exposure.
Question 3
Hard
A letter of intent in the context of special needs planning is best described as:
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Correct Answer: A
Solution
A is correct.
A letter of intent is a non-binding but critically important document that parents or caregivers prepare to guide future caregivers, guardians, and trustees. It typically includes information about the disabled individual's medical history, daily routines, behavioral patterns, social activities, dietary needs, and the family's wishes for quality of life. While not legally enforceable, it provides essential context that legal documents alone cannot capture.
“Man, 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 and with your software and Dankos Krakens it got me so grooved into what the questions were asking and help identify the critical WORD of the question that determined the right answer.”
Dustin S.
“I did the College for Financial Planning (Kaplan) education course, and the Danko Live Review course. I would say the questions in your quizzes were definitely of the CFP difficulty. Pretty spot on actually. Danko was harder than the actual exam, the CFP provided practice test was a bit easier.”
William Z
“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
Frequently Asked Questions
How many free CFP practice questions does FreeFellow have?
FreeFellow currently offers 2404 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 accessible without an account 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 2404 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 $59 Fellow tier unlock for CFP?
Fellow ($59 per quarter or $149 per year, per track) 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 $59 per quarter (about 1/20th 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).
FreeFellow is an AI-native exam prep platform for actuarial (SOA & CAS), CFA, CFP, CPA, CAIA, GARP FRM, IRS Enrolled Agent, IMA CMA, and FINRA / NASAA securities licensing candidates — built around modern AI as a core capability rather than as a bolt-on. Every lesson ships with AI-narrated audio. Every constructed-response item has a copy-to-AI prompt builder so candidates can paste their answer into their own ChatGPT or Claude for self-graded feedback. Fellow members get instant AI grading on essays against the official rubric (currently CFA Level III, expanding to other essay-bearing sections).
The 70% you need to pass — question bank, written solutions, lessons, formula sheet, mixed practice, readiness tracking — is free forever, with no trial period and no credit card. Become a Fellow ($59/quarter or $149/year per track) to unlock mock exams, flashcards with spaced repetition, performance analytics, AI essay grading, and a personalized study plan.