Teaching financial literacy to middle school students
Financial literacy program for middle school students
MoneyTime is a web-based, self-taught financial literacy program that makes teaching financial literacy in middle school fun.
Set up is remarkably simple and takes less than 2 minutes
No prep time or financial knowledge required
Tests and quizzes are automatically marked
It’s gamified for experiential learning
And students just love it!
It couldn’t be easier for you!
130,000+
1,500+
learners
schools
teachers
4,000+
MoneyTime’s financial literacy curriculum
MoneyTime consists of 11 core financial literacy lessons and 20 extension lessons, all of which imitate real life experiences – from wages, savings and tax to mortgages, buying real estate and simple investing.
Earning, saving and interest
Employment and tax
Budgeting and payment methods
Borrowing and credit
Purchasing property
Investing
Business basics
Insurance, Warranties and online safety
MoneyTime is provided free of charge for US Grades 6-8 & Australia Years 5-6 through sponsorship.
For students in US Grades 9-10 & Australia Years 7-8, cost is $6 per pupil per year.
For students in UK Years 6-9, cost is £2 per pupil per year.
See how MoneyTime’s financial literacy program works for middle school teachers
Teacher demo of MoneyTime’s financial literacy program for middle school
Why choose MoneyTime for your financial literacy lessons?
No teacher training required
You don’t have to be financially trained or have a strong working knowledge of money - MoneyTime does the teaching for you.
Students work through the self-directed lessons on their own.
Then we provide you with practical activities to spark conversation and expand on what has been taught in the program.
Regular automatically marked assessments
MoneyTime has automatically marked quizzes and tests to assess student progress after each lesson. Easy-to-follow reporting functions provide detailed feedback on student results for yourself, your exec team and your board.
Learning through play
The financial literacy lessons are combined with a fun money management game which maximizes students’ engagement and enjoyment.
They earn virtual money for correct answers, which they can spend in-game by purchasing, saving, investing or donating. These decisions simulate real life decisions & help students understand the impact of their choices. They learn from trial & error without risk or fear of failure.
Built-in parent engagement
In addition to the core and extension classroom lessons, there are 13 lessons for students to complete with their parent or guardian. These are optional but highly recommended as they enable students to put their learning into their own life’s context.
Parents love that their child is learning how to be smart with money, and are often surprised at their child’s level of understanding of the personal finance topics gained from the MoneyTime program.
Select your region
MoneyTime’s content is 100% localised for:
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United States
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Australia
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New Zealand
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South Africa
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United Kingdom
MoneyTime and middle school curriculum
MoneyTime’s content contains equal amounts of literacy (reading, vocabulary, and comprehension), math and social education.
Class fits include: Math, Social Studies, Economics, Business, Enterprise, Career Readiness, CTE, Family and Consumer Science, and Advisory block.
Click the button to see how our US specific version incorporates the middle school financial literacy curriculum standards in the USA.
Fitting MoneyTime into your timetable
Completing just a handful of MoneyTime modules will be immense benefit to your students. However if you’d like them to complete all 30 modules, here are some ways that other teachers fit them in:
Split modules by year group e.g. Grade/ Year 7: Modules 1–11, Grade/ Year 8: Modules 12–22, Grade/ Year 9: Modules 23–31
Set MoneyTime for a group of students whilst you take another learning group
Use during tutor time or as an after-school activity
Assign modules for homework
ST4S Assessed
The MoneyTime financial education program has been assessed by Safer Technologies 4 Schools under framework version 2024.1 and has successfully qualified to be part of the ST4S Product Badge Program.
Teachers rate MoneyTime’s middle school program
MoneyTime is so impressive! Our district vetting process was equally impressed. Many of the students stop me in the halls to report out. SO MUCH FUN! Thank you!
~ Jennifer Chantler, Brian S. McCarthy Middle School, NH
Students enjoy the fun challenges that each module brings as well as the competitive nature of moving up the leaderboard. I highly recommend MoneyTime to other schools looking to provide a comprehensive financial learning program to their students.
~ Jeffrey Benjamin, Teacher, Santiam Junior/ Senior High School, OR
“My students are loving it! They are excited when it is time to use it and ask about being able to use it more.”
~ Mallory Hill, Teacher, Little Flower Catholic School, AL
Hear from a US teacher using MoneyTime
Regular testing shows a 42% average increase in knowledge - proof that MoneyTime really works!
Hear from more teachers using MoneyTime
MoneyTime US case studies
Discover how teachers are bringing financial education to life with MoneyTime
Johann Chin has integrated MoneyTime into his curriculum to teach financial literacy to 7th and 8th grade students. He is passionate about financially educating his students, here’s how he has made MoneyTime a cornerstone of his financial literacy elective.
Clarissa Howard, a middle school STEM teacher in Maine, successfully used MoneyTime to teach financial literacy to her 7th and 8th graders, resulting in a 66% average knowledge gain and top rankings in our nationwide interclass competition.
Implementing MoneyTime with your students
Flexible to use
The 11 core modules & 20 extension modules fit equally well into English, Math and Social Studies learning areas. They can be used as a supplementary resource or as an elective.
Quick & easy to implement
Getting started takes just 2 minutes. There is no training required or lesson preparation to do.
It’s just as quick for your students. They can start as soon as they have created their account and watched the short introductory video.
Easy to fit in
Each financial literacy lesson only takes thirty minutes - meaning plenty of flexibility. They can be scheduled into your weekly timetable, used as extension activities, set for homework and are an easy filler for relief teachers. If you can’t finish them as a block, use them as end of year fun!
Practical lesson guides
MoneyTime provides lesson guides that include intended outcomes, new vocabulary, teaching tips and activities and discussions for you to do with your students after each lesson. These are highly recommended for feedback, questions and reinforcement.
Nationwide interclass competition
Classes across the United States, the United Kingdom, Australia, New Zealand and South Africa compete for the title of Best Financial Literacy Class in their respective countries.
Every class using MoneyTime is automatically entered in the competition.
Scores are based on students’ module quiz results and the percentage of students completing the program in their class.
It’s a fun way to stimulate interest in financial literacy and generate some healthy inter-class rivalry!
The competition runs each year from January to December in Australia, from August to May in the USA and from September to July in the UK.
Financial literacy in international schools
Many international school parents want their children to be taught financial literacy. MoneyTime provides international school boards with a world class program that gives them genuine point of difference.
MoneyTime is available as a financial literacy teaching resource to international schools with students in middle school grades 6 to 8. The content follows the US financial system (US version) and the UK financial system (United Kingdom, Australian, New Zealand and South African versions).
Internationally award-winning program
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
What students are saying
I liked how much information the modules gave me. I learned a lot of things- like investing differences and different types of accounts and how to keep your money safe.
~ CK, Schuylkill Haven Area Middle School, Pennsylvania
I liked how I could manage my own money and investments.
~ MI, Schuylkill Haven Area Middle School, Pennsylvania
I would like to let them know that they helped me learn more about using money and that they helped me a lot with my future.
~ ST, Schuylkill Haven Area Middle School, Pennsylvania
Pricing
USA
Grades 6-8: Free of charge due to sponsorship
Grades 9-10: $6 per pupil per school year
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