Skip to main content
California Department of Education Logo

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 Sarah Smith, Education Programs Assistant, by phone at 916-323-5818 or by e-mail at ssmith@cde.ca.gov.

ABCs of Wealth Curriculum, found on the Mind Treasures' Free Curriculum Download for Educators web page External link opens in new window or tab., combines financial literacy lesson plans with character development. The Basic Level, which is appropriate for grades 3-8 focuses on developing basic habits in spending, sharing, investing, and saving. The Advanced Level, for grades 9-12, focuses on technical aspects of banking services, credit, earning, taxes, and more.

Arnexa External link opens in new window or tab. is focused on helping young people and adults develop and meet savings goals through its free iPhone app. The app is available in the Apple App Store External link opens in new window or tab..

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.

Bite of Reality External link opens in new window or tab. is an in-person, app-based simulation that introduces teens to the financial realities of the cost of housing, transportation, food, clothing, household necessities, day care, and other needs. Teens will experience financial decisions that give them a better understanding of preparing and living on a budget.

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) Financial Education Center External link opens in new window or tab.. This site provides a variety of interactive learning experiences on topics such as money basics, paying for college, paying off debt and buying a home. The DBO also coordinates the California Financial Literacy Portal (CAFLP) External link opens in new window or tab.. The CAFLP provides information, news and resources regarding savings, money management, credit, investments, consumer privacy protection, identity theft, scams and fraud.

CompareCards External link opens in new window or tab. The goal of these free, downloadable lesson plans is to educate children between the ages of 6-18 about building credit and credit card ownership while emphasizing the importance of building good credit and maintaining good credit standing.

Consumer.gov External link opens in new window or tab., featuring their Toolbox web page External link opens in new window or tab., is a public education website of the Federal Trade Commission, which offers lesson plans, activities, and resources focused on educating high school students and adults about managing income External link opens in new window or tab., credit, loans, debt External link opens in new window or tab. and scams and identity theft.

Credit Card Insider External link opens in new window or tab. Financial literacy knowledge is an important tool for young people to possess as they plan for college and career. The lesson plans provided focus on learning for students in grades 7-12, examining topics such as savings and investment, credit and accounting, and planning for college.

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.

Debt-Reduction Services: Financial Tools and Resources External link opens in new window or tab. offers worksheets, quizzes, and videos focused on teaching financial literacy concepts in grades K –12 for student learning.

EverFi External link opens in new window or tab. offers digital courses that bring financial concepts to life. EverFi™Financial Literacy External link opens in new window or tab. for grades 9–12 grade students, contains nine modules educating students in topics such as credit scores, budgeting, insurance, and credit cards. FutureSmart External link opens in new window or tab. is for 6–8 grade students where they become mayor of a virtual town and help citizens effectively manage their finances. Vault Understanding Money External link opens in new window or tab. teaches critical foundational concepts in financial literacy to students enrolled in grades 4–6. Marketplaces - Investing Basics External link opens in new window or tab., for students in grades 9–12, covers topics like personal investing, stock market function, economy, and government function in finance.

The FDIC’s Money Smart for Young People External link opens in new window or tab. curricula for Pre-K–12 includes an educator guide and student guide for grades 3–12, PowerPoint slides, and a parent/caregiver guide with activities to support classroom learning at home. The curriculums are free of charge, aligned with key educational standards, and there are no copyright restrictions. The Teacher Online Resource Center External link opens in new window or tab. includes videos, articles and links to useful websites. The Youth Banking Resource Center External link opens in new window or tab. offers updated financial literacy learning, while the Youth Employment Resource Center offers tools to connect financial education to workforce programs. The Learning Bank External link opens in new window or tab. is where students can learn the history of the Federal Deposit Insurance Corporation (FDIC), how banks operate, and deposit insurance for consumers.

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.

Financial Beginnings External link opens in new window or tab. provides financial literacy resources for K–12 teachers, students, and other stakeholders, including guides for both educators and participants, as well as ready-made presentations, activities, in-class materials, and Spanish versions of most curricula.

FoolProof Academy External link opens in new window or tab. provides free, online curriculum for middle and high school students and teaches financial literacy critical thinking skills. The curriculum includes group activities and individual assignments for time-saving classroom implementation.

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.

HowTheMarketWorks External link opens in new window or tab. provides free, real-time, streaming stock market games. This platform is designed for high school and middle school classes each year, offering financial calculators, lesson plans, videos, glossaries, and trading ideas.

The Federal Reserve Bank of San Francisco offers Invest in What’s Next: Life After High School External link opens in new window or tab.. Through interactive lessons students in grades 9–12 will develop personal finance knowledge and skills to implement a career and/or education path after high school.

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.

Knowledge@Wharton High School External link opens in new window or tab. provides lesson plans, a video glossary, articles, and other resources to support high school teachers, students, and families in deepening their understanding of financial literacy.

LendUp's Credit Education Courses External link opens in new window or tab. offer video-based lessons and quizzes in financial topics such as budgeting, money management and the importance of a credit score for students enrolled in Grades 9-12.

Mathematics Framework for California Public Schools; Appendix A: Financial Literacy and Mathematics Education (PDF) is focused on instructional planning with strategies that support students in grades kindergarten through 12 in learning key financial literacy concepts for career and college success.

The Money Mammals External link opens in new window or tab. These free, downloadable resources produced by Snigglezoo Entertainment can help educators work with students in clarifying the core financial literacy concepts of distinguishing between needs and wants, making smart money choices and setting and saving for goals.

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.

Next Gen Personal Finance External link opens in new window or tab. offers teachers of grades 6-12, free, ready-to-implement lessons, activities, and other resources to teach financial literacy concepts in areas such as saving, investing, managing checking accounts, budgeting, and planning for college. The company also offers a financial literacy game about preparing for college called Payback External link opens in new window or tab.. This interactive game provides a variety of scenarios to help students understand different financial pathways to higher education.

OppU External link opens in new window or tab. offers online financial literacy lessons for students in grades 9-12 that include interactive videos, cumulative quizzes, and completion tracking. The lessons are expert-vetted and aligned with Jump$tart's K-12 national standards.

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 another initiative: Financial Football External link opens in new window or tab. —a creative and interactive approach to financial literacy education in the classroom.

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.

Sallie Mae Paying for College Resource External link opens in new window or tab. has 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.

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.

The U.S. Courts External link opens in new window or tab. The Federal Court system offers financial literacy activities for students in high school, college, vocational programs, and early-career jobs. Designed for judges and lawyers to use with students in the courtroom or classroom, each lesson guides students in understanding the facts surrounding bankruptcy and making wise financial choices.

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:   Sarah Smith | ssmith@cde.ca.gov | 916-323-5818
Last Reviewed: Monday, March 9, 2020
Trending in Initiatives & Programs
Recently Posted in Initiatives & Programs
No items posted in the last 60 days.