Financial education from ages 11 to 18
A progressive UK-focused programme covering the financial decisions young people encounter as they move towards greater independence.
Basic Financial Literacy
Build the foundations: understanding money, making spending decisions, creating budgets, saving and staying safe.
- 1
Your Money and Where It Goes
What money is, where income comes from, needs against wants, tracking spending and building a first budget.
4 lessons · about 2 hours
- 2
Spending and Paying
Payment methods, why digital spending feels different from cash, recognising marketing techniques, and judging value for money.
4 lessons · about 2 hours
- 3
Saving Basics
Reasons to save, setting goals, where savings are held, and how interest makes a balance grow.
4 lessons · about 2 hours
- 4
Your First Look at Investing
The difference between saving and investing, what owning a share of a company means, and compound growth over time.
3 lessons · about 1.5 hours
- 5
Staying Safe With Money
Recognising scams and fraud, and the methods used to target young people online and offline.
3 lessons · about 1.5 hours
- 6
Earning Your Own Money
Realistic ways to earn at this age, young workers' rights, and weighing purchases against hours worked.
2 lessons · about 1 hours
Intermediate Financial Skills
Develop the skills needed for increasing financial independence, including banking, earning, borrowing, consumer decisions and financial risk.
- 1
Recap: Basic Certificate
Refresher on the Basic programme, so pupils joining at this stage are not assumed to have covered it.
3 lessons
- 2
Banking Essentials
How bank accounts work, online and mobile banking, and comparing accounts and providers.
3 lessons · about 2.5 hours
- 3
Compound Interest and Growing Your Money
Compound interest, the effect of starting early, and the differences between savings account types.
3 lessons · about 2 hours
- 4
Understanding Credit and Debt
Credit cards, overdrafts, Buy Now Pay Later and credit scores: how borrowing works, what it costs and how debt problems develop.
3 lessons · about 2.5 hours
- 5
Investing – The Next Level
Shares, funds, index investing and ISAs, and what an investment strategy consists of.
3 lessons · about 2.5 hours
- 6
Planning for Your Future
Setting financial goals, how university and career finance works, and an introduction to pensions.
3 lessons · about 2.5 hours
- 7
Protecting Yourself
More advanced scams, how insurance works, consumer rights and how to complain effectively.
3 lessons · about 2 hours
- 8
Making Smart Consumer Choices
The psychology of spending, comparing value, and ethical and sustainable finance.
3 lessons · about 1 hours
Advanced Financial Mastery
Prepare for the financial decisions associated with work, further education and early adulthood.
- 1
Recap: Intermediate Certificate
Refresher on the Intermediate programme for pupils joining at this stage.
3 lessons
- 2
Advanced Banking and Money Management
Managing accounts, international money and currency, and financial technology.
3 lessons · about 3 hours
- 3
Borrowing, Debt and Financial Risks
Credit and borrowing in depth, mortgages and property finance, and managing financial difficulty.
3 lessons · about 3.5 hours
- 4
Building Your Investment Portfolio
Risk assessment, asset allocation, index funds and tax-efficient investing.
3 lessons · about 4 hours
- 5
The Economy and Your Money
How the economy works, what taxation funds, and how global economics affects household finances.
3 lessons · about 2.5 hours
- 6
Major Life Costs
The true cost of university, planning for cars and other large purchases, and the cost of major life events.
3 lessons · about 4 hours
- 7
Work and Income
Employment rights, payslips and deductions, self-employment, and earning potential over a career.
3 lessons · about 3 hours
- 8
Insurance and Protection
Insurance from essentials to life cover and income protection, and advanced fraud protection.
3 lessons · about 2 hours
- 9
Advanced Consumer Skills
Consumer rights in depth, getting value from significant purchases, and ethical and sustainable finance.
3 lessons · about 2 hours
- 10
Protecting Your Financial Future
Pensions and retirement, estate planning and inheritance, and building a personal financial plan.
3 lessons · about 1 hours
How pupils are assessed
Quiz after every lesson
Each of the 74 lessons ends with a short quiz of around 7 questions.
Quiz at the end of every module
Each module closes with a longer assessment of around 15 questions covering the whole module.
70% to pass, up to 3 attempts
Every quiz uses the same 70% pass mark. Pupils get up to 3 attempts, and every attempt is recorded.
Certificates of completion
Pupils earn a certificate for each programme they complete. These are certificates of completion, not regulated qualifications.
Teachers see completed lessons and modules and the full quiz attempt history for each pupil from the school dashboard.
Bring this to your pupils
Selected UK secondary schools can use the whole programme free during the 2026/27 academic year. Parents can start with the first module, which is free.