Online personal finance course for kids
Why teaching your child personal finance is important
Online shopping..
Instant gratification..
Credit cards..
Bad debt..
Being smart with money is an essential life skill for a successful future, but how do you teach it to your children?
Many parents weren’t taught themselves. So where do you start? What do you teach them? How do you motivate them to make good financial decisions?
Teaching personal finance made easy
MoneyTime takes care of all this for you.
It teaches kids key financial concepts so that they enter adulthood with the knowledge and confidence to make good financial decisions.
It takes them on a journey to where they are not intimidated by finance and investing because they have been making their own financial decisions in the program and are already familiar with financial concepts.
They have an expectation of how money can work for them and now they can use it to benefit themselves, their family and their community.
For children aged 10-15
How does MoneyTime work in New Zealand?
See how the MoneyTime online financial literacy program works in New Zealand.
110,000+
Students
Trusted in New Zealand by:
3,000+
Teachers
750+
Schools
38,000+
Parents
What parents are saying
We've always had many conversations about money, but MoneyTime has provided the motivation for action. Thank you for an incredibly practical and useful resource!
- Kelly George
You could spend hours scouring the internet for the best course on investing for kids or I could just tell you right now to head on over to the MoneyTime website and save you a whole heap of time and trouble.
- Tonya Nolan
Teaching children to be money smart while they are still under your financial responsibility will set them up with positive financial habits. And the MoneyTime financial literacy curriculum is the best online programs on financial literacy for kids we’ve found.
- Charlene Hess
How effective is MoneyTime?
MoneyTime produces a 42% average improvement in knowledge!
As measured by 8 pre tests and post tests throughout the program. Proof it really works!
What’s in MoneyTime’s personal finance lessons?
How money can be earned, saved, earn interest
The importance of career choice
How to write a CV and a cover letter
Earning, saving and employment
Managing money
How to make smart spending decisions
How to prepare a simple budget
The different ways of making payments
Borrowing money and understanding property
How debt, loans and repayments work
How people buy property using mortgage
Whether to rent or buy
Investing and business basics
How term deposits, shares and property make money
Understanding risk vs return
How businesses can make a profit
Protecting their money and diversifying their wealth
How to keep money safe online
How insurance works
The importance of diversifying investments to grow wealth
How does MoneyTime’s hands-on learning work?
Learning in MoneyTime happens organically as children make their own financial decisions.
Earning & Spending
Children earn virtual money for each correct quiz answer to spend on avatars and investments within the program.
Banking
They have Everyday and Savings bank accounts and are required to make their own decisions around budgeting, saving and spending.
Investing
Children then learn how to grow their money by investing it in things like term deposits, property and shares. The goal is to maximise their net wealth.
The decisions made within the game have simulated real life outcomes. This helps children understand the impact of their choices. They gain an understanding of how much things cost and what is required to achieve significant financial goals such as affording tertiary education or purchasing property.
Real life lessons for Kiwi kids
Yes. There are 13 additional modules specifically designed for you to complete with your kids. These help reinforce your child’s learning and, most importantly, put their learning into your family context. They give you an opportunity to have some real conversations about money and the future with your child.
Can I do MoneyTime with my child?
Which countries is MoneyTime used in?
MoneyTime is New Zealand company. Our New Zealand version is for New Zealand kids, with New Zealand terminology, New Zealand content, New Zealand examples and Kiwi humour. If your interest is for a New Zealand program, you are on the right page!
However, since launching in 2018 we have also created separate versions for Australia, USA, UK and South Africa. These versions have been 100% localised so that their content, terminology, value of things etc is 100% relevant to children in those countries.
If you are from any of those regions and would like to subscribe for your child, you can do so on the parents page in the MoneyTime global website.
What are kids saying about MoneyTime?
I love MoneyTime because it is teaching us for the future but also keeps us interested because it's like a game.
— Teri Y8
I think money time is a lot of fun because it gets you ready for when you leave the house to make your own decisions.
— Antony Y7
I now have large conversations with my family about things that I have picked up from modules. MoneyTime … teaches you life skills, and still allows you to be a kid. I feel like it is really improving my maths, and I really hope I can do it again.
— Isabella Y7
What makes MoneyTime’s personal finance course great?
Self taught
No parental knowledge or supervision is required. MoneyTime does the teaching for you!
Learning through play
MoneyTime utilises a money management game to maximise experiential learning and engagement.
Comprehensive
30 evenly paced modules plus 13 you can do with them. It covers earning, banking & saving, through to property, investing & business
Achievable
Each financial literacy lesson only takes 25 minutes to complete so it’s easy for kids to stay focused.
Has MoneyTime won international awards?
Yes!
Best Primary Product in the Global Edtech Awards 2025
Named one of HundrED’s top education innovations 2023
Runner-up The Money Awareness & Inclusion Awards 2022
Winner EIFLE Children’s Education Program of the Year 2022
FAQs for NZ Parents
What happens after I purchase MoneyTime?
Once you’ve made your purchase you will receive an invoice and an email with instructions on creating your parent account. Then use the license key provided to create your child’s account. You both will be shown an introductory video then they’re good to go!
How much guidance will my child need to use MoneyTime?
No guidance is necessary. MoneyTime is designed for independent learning, so children aged 10 to 15 can work through each lesson, quiz and money game on their own. Lessons are short and achievable, and quizzes are graded automatically. Parents can join in through 13 optional parent-child modules that connect lessons with real family money decisions.
How long will it take my child to complete MoneyTime?
Each of the 30 lessons takes about 25 minutes, including the money management game. Most children complete MoneyTime’s 30 classroom lessons and 13 home lessons with parents in around 18- 20 hours. Children can go faster or slower, because they work through the program at their own pace.
How can parents be involved?
MoneyTime includes 13 optional parent-child modules that you complete together with your child. These are designed to prompt conversations about how your family earns, saves, spends and gives. Examples include writing a resume, online shopping, budgeting for the family, how to identify phishing and scams.
Is there a guarantee?
Yes. MoneyTime comes with a 60-day money-back guarantee on one-year licenses. If MoneyTime isn't right for your child, contact the MoneyTime team within 60 days of purchase for a full refund.
How can I manage or cancel my subscription?
You can manage or cancel your monthly subscription at any time using the Parent manage subscription link at the bottom of every page on www.moneytime.co.nz (for NZ parents). If you need help, contact the MoneyTime team through the contact page.
60-Day Money Back Guarantee
Try MoneyTime One Year Licences completely risk free.
If you are not satisfied with the program, we’ll refund you in full.
Prepare your child for the real world !
