Kids, teens and adults learn money by playing with it: filling savings jars, shrinking debts, comparing college offers and planning for a home. A quick check builds a personal plan that adapts as they learn.
No two learners start in the same place. Learn With Penny finds out what each one already knows, then builds the path from there.
About 20 friendly questions, with an "I'm not sure yet" option so nobody has to guess.
Courses they know are fast-tracked. New topics get a gentler pace. Lessons are spread across the weeks to fit your time.
Each lesson has a hands-on bench with one clear mission. Low scores add a replay; flying through unlocks a test-out.
A finish check shows how far they've come, course by course, with a certificate at the end.
Pick the age group once in the profile. Every lesson then changes how it teaches, not just what it says.
Try: Spend, Save, Share, Needs vs wants, Counting coins
Try: Subscription creep, Your first payslip, Paying for college
Try: How a home loan works, Marriage & Money, The 4% rule
Learners tap glowing parts of an illustrated scene, slide the numbers, and watch money move along the wires. One mission per lesson keeps it focused.
A short story or brief explains one idea, with the maths when it helps.
The bench turns the idea into something to try, with a mission to complete.
Three questions tune the plan: replays when it's tricky, test-outs when it's easy.
From first coins to retirement. Open any course to see its lessons.
The core of money, for every age.
Phones, games and a first paycheck.
Paying for it, living on your own, and NIL.
Homes, partners and kids.
Handling the hard moments calmly.
Making money last.
Scores by lesson, badges, streaks and a log of how the plan adapted, all on one Progress page.
Nothing to sign up for and nothing sold to your kids. Progress is saved in the browser on your device.
Show every amount in dollars, rupees, pounds or euros with one tap.
Choose 15 to 90 minutes a week. The plan spreads lessons to match.
Stars for kids, XP for teens, and badges like Bullseye, On a Roll and Graduate.
Works in any modern browser, sized for small screens too.
No subscription and no surprise renewals, the same habits we teach.
Families. Kids aged 8 to 12, teens and young adults, and adults who want to get on top of money. Each learner picks an age group in their profile, and lessons are taught differently for each one.
Kids get story time with Penny, play first, short picture quizzes and a read-aloud button. Teens get real-life missions, XP and speed challenges. Adults get short briefs, calculators that use their own numbers, and one action step per lesson.
About 5 to 12 minutes. The learning plan spreads lessons across the weeks based on how much time you choose: 15, 30, 60 or 90 minutes a week.
No. The starting check, your personal plan and the first lesson are free. Full access is a one-time payment of $19.99 for all 18 courses.
Yes. Amounts can be shown in dollars, rupees, pounds or euros. Most lessons are universal; a few, like the FAFSA, Social Security and NIL, focus on the US and say so.
On the device you use, in your browser. There are no accounts and no ads. If you switch devices or clear your browser data, progress starts fresh.
No. Learn With Penny is education. For personal decisions about taxes, investments, legal matters or NIL contracts, talk to a qualified professional.
Take the starting check and open the first lesson free. It takes about four minutes.