Personal finance for kids made easy
You don’t have to know how parents teach personal finance…
MoneyTime does the teaching for you!
MoneyTime is a self-paced online financial literacy program that empowers youth in the USA, UK, Australia, New Zealand and South Africa with the knowledge and confidence to make smart money decisions for life.
Personal finance for youth ages 10 to 15
As parents, we want our children to become independent, successful adults. We send them to good schools, pay for tutoring and summer camps, but what about teaching them about money?
Money management will be an essential part of their everyday lives and yet too many parents are neglecting to teach financial literacy to their children in their tweens and teens.
Money management for kids made easy
If you weren’t taught money management yourself, the chances are you’ll find it difficult to teach it to your kids.
That’s why we created MoneyTime as a self-taught program, so you don't have to do the teaching!
Our money management course combines 30 interactive self-taught lessons with a fun money management game that will provide your children with the knowledge and confidence to make good financial decisions as they grow up.
100% Localised
MoneyTime has custom versions for these countries. Select your preferred version at checkout.
New Zealand
South Africa
United Kingdom
United States
Australia
Used by more than 130,000 children
What children learn about money management
MoneyTime has 30 practical personal finance lessons for youth, covering:
How to prepare a budget
How avoid bad debt
How people purchase houses
How investing grows wealth
How busineses make profit
How insurance protects people’s wealth
Plus much more..
How MoneyTime’s personal finance for kids works
Demonstration of how MoneyTime’s personal finance program for kids works
Learning money management through play
The 30 personal finance lessons are intertwined with a money management game in which your children will:
Learn the value of money
How much different jobs pay, what it costs to get a qualification, how much it costs to buy a house.
Make their own financial decisions
They will learn from making their own decisions within the safety of the program, and seeing the consequences of those decisions.
Learn experientially through trial & error
They can try different approaches to see what results in the best financial outcome. It’s trial and error without risking real money.
How the money management game works
Decision making
Children earn virtual money for every correct quiz answer. They get to spend this on their avatar, save it, invest it or donate it - just like they will have to in real life.
Experiential learning
The goal is to maximise their net wealth. They can see how their net wealth compares with other students on the leaderboard - it’s a great incentive to stay engaged!
Life learning
The result is they acquire the knowledge and confidence to make good financial decisions as they grow up - when it really matters.
Connecting learning with real life
Within the program there are also an optional 13 parent-child modules.
These are specifically designed for you to complete with your children.
They help reinforce your children’s learning and, most importantly, they put their learning into your family context.
They also give you an opportunity to have some real conversations about money and the future with them.
What makes MoneyTime's personal finance lessons for kids so good?
Independent learning
You don’t have to do any teaching. MoneyTime leads your child through the learning process independently so no parental knowledge is required.
Learning through play
Your children will learn practical money skills while playing the money management game. They will see the consequences of their decisions & learn from them.
Real life lessons
The optional parent-child modules help them see how much things cost and how money works in your family’s world.
Achievable
Each financial lesson only takes 30 minutes, including the money management game. This makes it easy for your children to fit MoneyTime into their free time.
What parents are saying about MoneyTime's personal finance for kids
My husband and I have been putting an extra emphasis on our kids’ financial education and the MoneyTime financial literacy curriculum is the best online program on financial literacy for kids we’ve found.
— Charlene Hess
I am always looking for programs that encourage independence. I knew this one was a winner minutes after we signed in. This was a sign-on-and-go program for my son. I didn’t need to explain or look over his shoulder.
— Ashley Fox
My kids absolutely love the course. It’s so well put together. I’ve also learnt a lot. What a valuable resource!
— Sal Henderson
MoneyTime is ideal for homeschooling
MoneyTime is the perfect homeschool curriculum for financial literacy.
Funding your children’s financial education via ClassWallet
If your children’s education is funded through an Education Savings Account (ESA) via ClassWallet, or another state‑authorized program, please click the button below to generate your MoneyTime invoice.
When received, submit it on ClassWallet as a DirectPay request.
If we are not currently an approved vendor, please let your ESA provider know you'd like to use your ESA funds for MoneyTime.
FAQs for Parents
What happens after I purchase MoneyTime?
Once you’ve made your purchase you will receive an invoice and an email with instructions on creating your parent account. Then use the license key provided to create your child’s account. You both will be shown an introductory video then they’re good to go!
How much guidance will my child need to use MoneyTime?
No guidance is necessary. MoneyTime is designed for independent learning, so children aged 10 to 15 can work through each lesson, quiz and money game on their own. Lessons are short and achievable, and quizzes are graded automatically. Parents can join in through 13 optional parent-child modules that connect lessons with real family money decisions.
How long will it take my child to complete MoneyTime?
Each lesson takes around 25 minutes to complete, including the money management game. The approximate time to complete the 30 classroom lessons and 13 home lessons designed to do with parents is 18 - 20 hours. We advise 2-3 lessons per week.
How can parents be involved?
MoneyTime includes 13 optional parent-child modules that you complete together with your child. These are designed to prompt conversations about how your family earns, saves, spends and gives. Examples include writing a resume, online shopping, budgeting for the family, how to identify phishing and scams.
What countries can MoneyTime be used in?
MoneyTime is fully localized for the United States, United Kingdom, Australia, New Zealand and South Africa. Each version uses that country's currency, terminology and financial systems, so lessons on tax, banking, borrowing and investing reflect the real world your child will grow up in. Choose your country when you purchase.
Is MoneyTime used in schools?
Yes. MoneyTime is used in schools in the US, UK, Australia, New Zealand and South Africa, and has reached more than 130,000 learners. The same lessons and money management game used in classrooms are available for home use, so parents can give their children the financial education many schools are using with their teaching.
Is there a guarantee?
Yes. MoneyTime comes with a 60-day money-back guarantee on one-year licenses. If MoneyTime isn't right for your child, contact the MoneyTime team within 60 days of purchase for a full refund.
Can I pay with education savings account (ESA) funds?
Yes, in many cases. US families can purchase MoneyTime through ClassWallet, which manages education savings account and similar funding programs in a number of states. Request an invoice from the MoneyTime website and submit it through your ClassWallet account to use your available funds for your child's financial education.
How can I manage or cancel my subscription?
You can manage or cancel your monthly subscription at any time via the link on your invoice or by using the “Parent manage subscription” link at the bottom of every page on www.moneytimekids.com (for US, UK, Australia), www.moneytimekids.co.za (for South Africa) or www.moneytime.co.nz (for NZ). If you need help, contact the MoneyTime team through the contact page.
What kids are saying
“I love MoneyTime because it is teaching us for the future but also keeps us interested because it's like a game.”
— Teri
“I think money time is a lot of fun because it gets you ready for when you leave the house to make your own decisions.”
— Antony
“I now have large conversations with my family about things that I have picked up from modules. MoneyTime … teaches you life skills, and still allows you to be a kid. I feel like it is really improving my math, and I really hope I can do it again.”
— Isabella
International awards
Children’s Education Program of the Year - 2022 Winner
Best Primary Product in the Global Edtech Awards 2025
Selected as one of the top 100 education innovations in 2023
The Money Awareness & Inclusion Awards - 2022 Runner-up
60-Day Money Back Guarantee
Try MoneyTime One Year Licenses completely risk free for 60 days.
If you are not satisfied with the program, we’ll refund you in full.
This is your chance to give your child a great financial education!
MoneyTime has custom versions for these countries. Select your preferred version at checkout.
United States
Australia
United Kingdom
New Zealand
South Africa
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