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Fun Financial Literacy for Kids Online Game

If there is one thing I want to make sure to cover thoroughly in our homeschool it is financial literacy. It is at the top of my list for most important subjects.

I found a fun financial literacy for kids game that is helping us do just that.

We are not huge textbook fans and don’t really like workbooks that much either. With many topics I prefer learning from life experiences.

However, when it comes to teaching kids about money, you need to do so before they run into issues that could mean disaster for their financial future.

With that in mind, I went looking for a program that would give me some help to make sure I covered ALL of the money topics without missing anything important.

Financial Literacy for Kids Game

If you have kids who like to spend time on the computer, this online program on financial literacy for kids is just the ticket.

MoneyTime is a game and we all know that kids love games!

Playing games is one of the key ways we learn in our homeschool so this certainly fit right in and I was intrigued to see how we would like it.

Let me tell you what we think of this game and how it has gone so far with this MoneyTime review.

We are taking our time going through the game because though you only need about 20 minutes 3 times a week, I like to space things out and also go deep.

A couple of facts you may want to know off the bat.

The MoneyTime Financial Literacy Program is geared toward ages 10 – 14 but I think that can be stretched to include older teens as I mention lower in the post.

You can access on a laptop, PC or tablet. They do not have an app and mobile devices are not supported.

After signing up you get a series of detailed emails telling you exactly what to do. I loved this because I didn’t have to guess what to do next.

We didn’t have any issues with sign up or with following the directions to get started. Super simple!


  • Easy sign up process
  • Very easy for kids to use
  • Guided instruction
  • Thorough and detailed modules
  • Covers topics I may not have thought to include
  • Excellent parent resources included
  • Game format << big win because games help cement learning
  • 20-30 minute sessions are not too long for this age group
  • Easy to fit into your homeschool schedule


  • The avatar could use some work as it isn’t very compelling.
  • They say it is for kids to do on their own but I think you need to do it with them. See below for why that isn’t really a con per se.
  • You can’t go through the modules out of order. Obviously this makes sense because they are teaching as you go but we did want to jump into one and couldn’t do so.
  • Some of the terms were a bit unusual because the company isn’t US based but don’t let that stop you. I’m speaking of terms like crikey and other sayings. We just looked them up and learned something new. All of the money information is for the United States so that is what matters.

I want to elaborate on the fact that they suggest you do not need to help your child with this program. That may be true, but I still think it is best to do the MoneyTime game with a child.

Yes, they can do it on their own, but if you are going through the modules with them I feel it is an advantage. You choose which you way you prefer.

The reason I think it is best to do it together is because we had a lot of great conversations about the topics and the questions that were asked in the quizzes.

He wouldn’t have learned what I have done and how I handled specific things related to the topics covered had we not gone more in depth and had those discussions.

Plus, there are 13 parent modules that you do together with your child including preparing a budget, “buying” property, checking on your insurance and other topics they will need input from you to complete.

The great thing about this is that it takes the learning out of a game and makes it real since you are talking about your own family’s choices.

Overall, the program has been great to use.

Watch this video to see my review and an overview of what it is like inside the program.

A note about the video review.

I recorded at the time they were having a small glitch with the avatar. He isn’t suppose to be a black silhouette. They fixed it and here is a picture of his new avatar. I will say that this doesn’t change my opinion of the overall appeal of the character and things you can buy for it but I did want to show that there are better options than the plain black one we had. We were able to choose from four different options.

I also mentioned that the test questions were rather easy.

Neil from MoneyTime reached out to explain that. I’ll drop his comment here: “the module quizzes are designed to assist with and reinforce the learning, and build confidence, so tend to point the student to the correct answer.” Makes sense!

He also said that as children progress through the program, the tests and materials increase in difficulty, which is exactly what I would expect and hope for.

Oh and, I grabbed the statistic in the box below from the conversation as well.

Over 45,000 kids have gone through the program. They have seen an increase in knowledge from pre-test to post-test of an average of 44%. That is pretty impressive and tells you that this money program is working very well!

Financial Literacy for Teens

I want to take a moment to talk about using MoneyTime Financial Literacy Program with older teens.

If you feel a bit behind because you have not yet covered money and all it entails in a more structured way, don’t worry!

While this program is geared toward children ages 10 – 14, older teens will benefit from it as well. Especially if you have not covered things like:

  • principal and interest
  • insurance
  • net wealth
  • investments
  • loans
  • renting vs buying
  • mortgages
  • online security
  • and more

I admit I may have missed a few parts of topics without the structure of a curriculum or a program like MoneyTime.

Not that I didn’t think they were important, but sometimes we miss the overall picture which helps kids understand and make connections.

While I planned on covering investments, what I liked about the program is that as you play you can make investments and they may do well or you may lose a bit of money just like in real life.

I like that they can see the effects over time with investments and interest.

Financial literacy topics go together hand-in-hand and you really can’t leave anything out if you want them to have a well-rounded education in money.

Whatever you do, be sure you cover financial literacy by making learning about money part of your homeschool.

It is imperative that our kids go out into the world understanding all the complexities of money and don’t make damaging mistakes that could take them many years to fix.

Before I forget, there are a few other things you may want to know before you decide to sign up.

Is MoneyTime Worth the Money?

After using the program for a couple of months I would say yes, it is worth the money because it is a very thorough program that covers a lot of topics that your kids need to know.

It is especially good if you want to make sure you don’t miss any important financial information that will give your kids knowledge for building their wealth over time.

One nice thing they offer is a 60 Day money back guarantee which means your family can try MoneyTime completely risk free. If you’re not happy with it, they will refund your money in full.

Family subscription packages

They are homeschool friendly!

There are 3 subscription package options: 1 child, 2 children, or 3-5 children and you can contact [email protected] for subscriptions for more than 5 children. They are happy to work with homeschoolers to assist where they can.

Discount Offer

Guess what? You can get 25% off any order using coupon code HSCHOOL20 at checkout. (This discount applies to single and family subscriptions.)

Isn’t that nice of them? They really want to help you out to make learning about money easy and are willing to drop the price so you can save money too!