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A curriculum that grows up with them

48five-minute money lessons in three age paths, from eight to eighteen, built on the US national standards for personal finance education (CEE and Jump$tart) and the CFPB’s building blocks.

  • Foundations8 to 10
  • Building Skills11 to 13
  • Independence14 to 18
Find your child’s pathWatch a lesson play out

Follow one lesson from the map to the reward

Zola is 10, so she is on the Foundations path, and today her next lesson is Needs vs Wants. Keep scrolling to watch it play out on her phone.

Zola is an example. The lesson, its games and the rewards are the real app.

  1. Three paths, matched to their age

    Every child starts on the path for their age and only ever sees that path and the ones before it, so an eight-year-old never meets credit or debt. Each path is five modules of three lessons, walked in order on a map like Zola’s.

    1. 8 to 10FoundationsMoney is a choice
    2. 11 to 13Building SkillsMoney is a plan
    3. 14 to 18IndependenceMoney is a system

  2. Five minutes, one idea, lots of little games

    A lesson is about 13 short steps. A few lines of story set up the idea, and games put it straight to work: matching, sorting, putting things in order, quick sums and quizzes. Here Zola sorts needs from wants.

    A wrong answer is never a dead end. It comes back for another go before the lesson ends, so a mistake turns into practice instead of a bad score.

  3. Then a real decision, not a trick question

    Some steps have no sum to work out. They put a moment from a child’s day in front of them and ask what they would do, because judgement is what they will need with real money.

    Everyone at school is collecting shiny soccer cards. Your friend says you NEED a pack too, or you will be left out.

    What do you know that your friend forgot? Answer for Zola and watch the app reply.

  4. Every lesson ends with their own money

    The last step hands the idea back to real life. Today Zola is asked to open her wallet and quietly say need or want at each of her last few spends, and the finish screen’s button takes her straight there.

    Finishing pays 30 XP, or 40 for a run with no mistakes, which tips her into level 4, Budget Builder. It also keeps her daily streak alive, and five days in a row earns a badge.

  5. Small reasons to come back tomorrow

    Three daily quests, like finishing a lesson or guessing the real price of something from a local shop, fill a treasure chest of 25 bonus XP. A streak counts any effort, and a streak shield bought with a little saved pocket money covers a missed day. Twelve badges wait on the shelf.

    Lessons and games only ever pay XP, never money. Every bit of money in the app is pocket money you gave.

    Find your child’s pathOr join the waitlist →

In the sorting game, Bread, Clean water, A warm jacket go under Needs, and Ice cream, A toy car, Extra TV time go under Wants.

Find your child’s path

Set their age to see the modules on their path, then open any lesson and play its first minute on the phone.

Foundations

“Money is a choice”

5 modules and 15 five-minute lessons written for ages 8 to 10.

Money Basics

What money is and where it comes from.

The first minute of What Is Money?

Before money

Long ago there was no money at all, so people traded the things they made. A baker traded her bread, a farmer traded his milk, and a fisherman traded his catch.

Who makes what? Match each person to what they bring to market.

The lesson carries on from here and ends with a small real-world task to try at home.

See all 48 lessons in one list

FoundationsAges 8 to 10

Money Basics

  1. What Is Money?
  2. Rands & Cents
  3. Where Money Comes From

Needs vs Wants

  1. Needs vs Wants
  2. Tricky Wants
  3. Needs Come First

Saving & Patience

  1. The Magic of Saving
  2. Coin by Coin
  3. Waiting Wins

Spending Choices

  1. One or the Other
  2. Spent Is Spent
  3. Think, Then Buy

Giving & Sharing

  1. A Slice to Share
  2. Ways to Give
  3. Save, Spend, Share

Building SkillsAges 11 to 13

Budgeting Basics

  1. What Is a Budget?
  2. Build a Budget
  3. When Plans Change

Money Goals

  1. Dream It, Plan It
  2. What It Really Costs
  3. Stay on Track

Smart Spending

  1. Ads Are Tricks
  2. Compare Before You Buy
  3. Buyer's Remorse

Purposeful Saving

  1. Save a Slice
  2. Banks Pay You
  3. Watch It Grow

Earning & Enterprise

  1. Ways Kids Earn
  2. Little Businesses
  3. Work Smart

IndependenceAges 14 to 18

Banking

  1. Your First Account
  2. Cards & Apps
  3. Keep It Safe

Credit & Debt

  1. Borrowing Basics
  2. Good Debt, Bad Debt
  3. The Real Cost

Investing

  1. Make Money Work
  2. Risk & Reward
  3. Little and Often

Risk & Insurance

  1. What If It Breaks?
  2. How Insurance Works
  3. Cover What Matters

The Big Picture

  1. Income vs Expenses
  2. Where Taxes Go
  3. Your Money Map

Own Smart (bonus path)

  1. Grows or Shrinks?
  2. The Car Trap
  3. The Big-Buy Playbook

Want them working through it?

Join the beta waitlist and we’ll email your invite as spots open.

Join the waitlistRead the FAQ →