Kids & Money
Money skills for kids and teens
Free lessons and calculators for ages 8–17. Built for families and classrooms. No signup. Parents and teachers welcome.
Looking for adult tools? Browse all calculators or read financial guides.
Ages 8–12
Allowance jars, saving for goals, and needs vs. wants.
Calculators
Guides
What Is Money? A Simple Guide for Kids
Learn what money is, how people earn it, and the three main things you can do with it: save, spend, and give.
Needs vs. Wants: How to Tell the Difference
Learn the difference between things you need and things you want, and why it helps you make smarter spending choices.
Saving for a Goal: How to Reach Something You Want
Step-by-step guide for kids on picking a savings goal, tracking progress, and staying motivated until you get there.
Allowance Basics: Save, Spend, and Give
How allowance works, popular jar systems, and how to build good money habits when you get paid each week.
Ages 13–17
First jobs, budgeting, and how money grows over time.
Calculators
Kids Savings Goal Calculator
See how many weeks of saving it takes to reach a goal, like a bike, game, or trip.
Kids Allowance Split Calculator
Split allowance into save, spend, and give jars using the 50/40/10 rule or your own mix.
Teen Compound Growth Calculator
See how steady saving plus interest can grow money from your teens into adulthood.
Guides
Compound Interest for Teens: Why Starting Young Matters
A teen-friendly explanation of compound interest, how savings accounts and investing differ, and why time beats timing.
Your First Job: Paychecks, Taxes, and What to Do With the Money
What to expect from a first job or side gig: gross vs. net pay, basic taxes, and how to split your earnings.
Budgeting Basics for Teens
How to track money in and money out, build a simple teen budget, and avoid running out before the month ends.
For parents
Teaching at home, plus savings accounts, college funds, investing, and Roth IRAs.
Teaching Kids About Money: A Guide for Parents
Practical ways parents can teach kids ages 8–17 about earning, saving, spending, and giving, with age-appropriate activities and free tools.
Kids Savings Accounts: What Parents Should Know Before Opening One
When to open a savings account for your child, custodial vs. joint accounts, youth banking features, and how to teach saving alongside the account.
Investment Accounts for Kids: Custodial Brokerages and How to Start
How parents open custodial brokerage accounts for kids, what UGMA and UTMA mean, simple index-fund investing, taxes, and when investing beats savings.
College Savings for Kids: 529 Plans and Other Options for Parents
How parents can save for college with 529 plans, Coverdell accounts, and custodial savings. Tax benefits, financial aid basics, and when to start.
Roth IRA for Kids: How Parents Can Open One and Why It Works
Open a custodial Roth IRA for a child with earned income. Contribution rules, what counts as income, tax filing basics, and why starting in the teens pays off.