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Grades K-12 Financial Literacy Resources

Resources for individuals interested in financial literacy for kindergarten through grade twelve students.

This electronic resource library for grades K–12 provides links to programs that are appropriate for use in the classroom or at home as a resource for students, teachers, and parents who want to increase financial literacy. This is a partial list of the wide universe of resources available to the public. To submit a financial literacy program for consideration of being included in this electronic resource library, please contact Roxane Fidler, Education Programs Consultant, by phone at 916-323-4861 or by e-mail at rfidler@cde.ca.gov.

The ABCs of Financial Literacy External link opens in new window or tab.
The Summit Bank Foundation produces and sponsors this program that provides comprehensive curriculum guides for grades K–12, lesson plans, and weekly sets of newspapers at no cost to educators.

America/Banks External link opens in new window or tab. and its partnerships help provide basic money management education and foster asset accumulation for low- and moderate-income adults, children, families, and communities.

Banking on Our Future External link opens in new window or tab.
The mission of the Banking on Our Future (BOOF) program is to execute a global delivery system for financial education for youth ages 9–18 at no cost to school districts, with a focus on urban, low-wealth communities. This program is sponsored by Operation Hope.

Banzai External link opens in new window or tab.
This free resource offers teachers and students lessons in financial planning using real-life scenarios such as paying auto insurance, dealing with an account overdraft, paying a parking ticket, and budgeting for travel. These hands-on activities develop understanding for students in grades seven through twelve as they face the challenges of planning for life’s expenses.

BizKid$ External link opens in new window or tab.
BizKid$ is a contemporary, fast-paced series aimed at children and young adults that currently airs on most PBS stations nationwide. This site offers video clips from the series based on essential financial literacy and economic concepts. It also offers curriculum in English and Spanish to accompany some of the clips.

Building Personal Wealth External link opens in new window or tab. provides news, tips, and advice to compare mortgage rates, home equity loans, CDs, car loans, credit cards, and money market accounts.

Calculator Plus External link opens in new window or tab. is a comprehensive source of free online financial calculators. This site includes calculators to estimate mortgage payments as well as credit card and auto loans.

The California CareerZone External link opens in new window or tab. site includes an online budgeting exercise called “Make Money Choices” that enables students to build a budget that supports the lifestyle they would like to achieve as adults, and then links those budget choices to occupational and educational options.

The California Council on Economic Education External link opens in new window or tab. provides economic and financial literacy resources for K-12 teachers and students, including lesson plans, student contests, and curricula programs.

The California Department of Business Oversight (DBO) Kids Page External link opens in new window or tab.
This page provides links to governmental agencies and community organizations to help children learn about money and money management.

The California Department of Real Estate (DRE) External link opens in new window or tab. funded the development of educational videos and workbooks to help prepare young adults for the experiences of renting and buying a home. The videos are approximately 20 minutes in length with closed captioning for the hearing impaired. Topics include financial preparation, the importance of good credit, and budgeting. These resources are available free of charge.

Chalkboard Kidz External link opens in new window or tab.
This financial literacy resource provides interactive modules for students to learn financial concepts they need to succeed in life. These financial literacy modules examine key concepts such as wants vs. needs, goal-setting, creating a budget, investing, banking, and community support, among others.

Crash Class External link opens in new window or tab.
The National Financial Educators Council provides interactive lessons targeting students in grades 9–12 that develop budgeting, savings, investing, and financial goal-setting skills. The curriculum was developed by a team of financial professionals and educators to meet core educational standards while offering the 'real world' knowledge to help youth prepare for the financial realities of life.

Current Economic Climate External link opens in new window or tab. is Junior Achievement USA's financial literacy program supplements to help students understand the current economic climate and how they can succeed, regardless of the prevailing financial circumstances. These various programs, for students from elementary school through high school, describe the importance of proactive financial planning as a means of preparing for a changing economy. Students will also be able to recall and apply specific strategies for spending less and saving more.

Debt.Org External link opens in new window or tab.
Student information Web pages offer information regarding financial aid, understanding budgeting, and navigating student debt repayment.

The FDIC’s Money Smart for Young Adults External link opens in new window or tab. curriculum helps youth ages 12–20 learn the basics of handling their money and finances, including how to create positive relationships with financial institutions. Money Smart for Young Adults consists of eight instructor-led modules. Each module includes a fully scripted instructor guide, participant guide, and overhead slides. The materials also include an optional computer-based scenario that allows students to complete realistic exercises based on each module. The curriculum is free, aligned with state educational standards, and there are no copyright restrictions.

FHA Mortgage Center.com External link opens in new window or tab. is an expert resource providing consumers with a wealth of information on FHA home financing. This resource provides definitions for terms commonly found in mortgage and home financing circles.

Finance Park Virtual External link opens in new window or tab. offers learning about money management and financial decision-making in an interactive format. Capital One and Junior Achievement USA’s financial literacy simulation introduces youth to personal financial planning and career exploration.

Financial FYI External link opens in new window or tab.
Each week this program provides short, informative, financial news items, business statistics, economic research, and online polls to encourage financial discussions.

Foundations U ® External link opens in new window or tab. provides free tools for students and their families in planning for and managing the cost of college and defining personal financial success once a student’s educational goals are met. Key tools include understanding interest fees, comparing the cost of living, budgeting, a mortgage and investing calculator, and planning for retirement.

Hands on Banking External link opens in new window or tab.
Hands on Banking / El futuro en tus manos is a fun, free financial education program created by Wells Fargo. This innovative, award-winning program provides all the basics of money management in an easy-to-use format that's ideal for the classroom. The animated, narrated lessons in English and Spanish for four age groups (from 4th grade through adults) is non-commercial, meet educational standards, and are packed with valuable financial tools and tips.

High School Financial Planning Program External link opens in new window or tab.
This curriculum includes a student manuals, an instructor’s guide, and a number of Web pages that offer a large, continually growing collection of resources, articles, and financial tools for teachers, students, and parents.

InVEST External link opens in new window or tab.
InVEST is a free program designed to increase high school and college students’ understanding of insurance literacy. Topics covered include calculating an auto insurance premium, homeowners and renters’ insurance issues, and health insurance benefits.

It's My Life: Money External link opens in new window or tab. offers tips on teaching financial basics to young people through topics such as earning money through first jobs and allowances, managing the piggybank, and understanding basic budgeting.

Jump$tart's External link opens in new window or tab. aim is to identify high-quality personal finance materials for educational use. The clearinghouse is a database of personal finance resources available from a variety of education providers such as government, business, and non-profit organizations.

Junior Achievement's Student Center External link opens in new window or tab. provides a number of programs focused to support students in understanding saving, spending, charitable giving, goal setting, and planning for financial success.

Manage Your Money Week External link opens in new window or tab. is a week-long effort by state and local government agencies, non-profit organizations, unions, schools, libraries, financial institutions, and financial management associations to provide free money management education events and promote understanding of budgeting, credit, home purchase, retirement planning, and starting a business.

Money in Motion External link opens in new window or tab.
This site sponsored by the American Bankers Organization offers free lesson plans for students in grades 7–12 about wise money management. It also provides a classroom poster, financial literacy quizzes, and a student finance guide all free of charge.

Money Math: Lessons for Life External link opens in new window or tab.
Money Math: Lessons for Life is a free four-lesson curriculum supplement designed for students grades 7–9 to learn math concepts using real-life examples from personal finance. The downloadable book features a teacher’s guide with lesson plans, and student reproducible activity pages.

Money Talks for Teens External link opens in new window or tab. provides resources for teens to become more fiscally responsible, including: appropriate banking and saving practices, proper credit use, and employment tips.

MoneyWi$e External link opens in new window or tab. a national financial literacy partnership of Consumer Action and Capital One, is the first program of its kind to combine free, multilingual financial education materials, curricula, and teaching aids with regional meetings and roundtables to train community-based organization staff so that consumers at all income levels and walks of life can be reached.

MyMoney.gov External link opens in new window or tab.
MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are planning to buy a home, balancing your checkbook, or investing in your 401k, the resources on MyMoney.gov can help.

National Endowment for Financial Education External link opens in new window or tab.
Practical resources and materials specially created with educators and facilitators in mind.

National Financial Educators Council (NFEC) External link opens in new window or tab.
The NFEC Framework for Teaching Personal Finance provides benchmarks that assist educators in becoming more effective instructors of financial literacy, offering tools to plan and present lessons that improve students’ financial capabilities.

Personal Finance Glossary External link opens in new window or tab. provides more than 700 financial terms and definitions.

The Privacy Rights Clearinghouse External link opens in new window or tab. is a nonprofit consumer organization with a two-part mission—consumer information and consumer advocacy.

Practical Money Skills For Life External link opens in new window or tab. is aimed at adults and youths, consumers, and educators. It is offered in three languages—English, Spanish, and Chinese—and consists of award-winning curriculum that has been teacher tested and approved. Visa supplements its Practical Money Skills for Life program with two other initiatives: MoneyChoices External link opens in new window or tab. an online resource housed on Visa.com; and Financial Football External link opens in new window or tab. —a creative and interactive approach to financial literacy education in the classroom.

Priceless Pointers External link opens in new page or tab. is invested in helping credit cardholders nurture and protect their financial wellbeing. Budgeting, handling debt, and financial management; and suggestions on guarding the privacy and security of your personal account information and your financial transactions are included in this series of financial tips.

PricewaterhouseCoopers External link opens in new window or tab. has developed a financial literacy curriculum that offers lesson plans accompanied by interactive handouts and multimedia components. The module topics include: saving and investing, career exploration, planning and money management, as well as lessons focused on environmental sustainability. The modules span grades K–12.

The Sallie Mae Scholarship Search Tool and Education Investment Planner® External link opens in new window or tab. are free tools for students and their families that provide access to scholarships and budgeting tools to plan for the cost of college.

$ave USA External link opens in new window or tab. presents interactive lessons that focus on insurance and risk, helping students understand risk, insurance terms, and what kind of insurance is most beneficial. This online financial literacy program offered by Junior Achievement USA is targeted to support upper elementary, middle, and high school students.

The Springboard FIT Academy External link opens in new window or tab. provides personal financial online courses on budgeting, credit, and identity theft prevention. The online courses offer pre and post tests, videos, and other resources in improving personal financial literacy, including an eBook library with educational material available for free download.

Stagecoach Island External link opens in new window or tab. is an online virtual world created by Wells Fargo. You can explore the island and its hidden secrets, connect with friends and make new ones, and at the same time learn smart money management.

The Stock Market Game External link opens in new window or tab. gives students the chance to invest a hypothetical $100,000 in an on-line portfolio. They think they're playing a game. You know they're learning economic and financial concepts they'll use for the rest of their lives.

Teens and Money External link opens in new window or tab.
This training series is designed primarily for parents but may also be useful for older teens. The materials cover budgeting, figuring out if a purchase is a "need" or a "want," banking, writing checks, savings, credit cards, credit reports, driving, and cell phones.

VA Mortgage Center.com External link opens in new window or tab. is an organization dedicated to providing mortgage services to United States military veterans. This resource includes an extensive glossary of lending and financial terms.

Questions:   Roxane Fidler | rfidler@cde.ca.gov | 916-323-4861
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