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Free for every family

Free money worksheets, ages 4+, 7+ and 10+

139 lessons about money, from trading and where coins came from to needs and wants, saving and sharing, and for older children borrowing, credit and savings accounts. Every lesson has printable worksheets with an answer key and a plain explanation so a grown-up can help.

The sheets use pretend money and made-up prices to practice ideas. Nothing on them is real money or financial advice.

  • Free to print
  • No sign-up or email
  • Answer keys included
  • For ages 4+, 7+ and 10+
  • Pretend money only
Ages 4+: 18 lessonsAges 7+: 44 lessonsAges 10+: 77 lessons
Tutorpip
MoneyMoneyLesson notes

The money book

Notes for 139 lessons in one PDF, free.

Download the bookSee inside
4+

Ages 4+

Trading, shops and markets, needs and wants, saving in a jar and sharing, with pretend money. A grown-up reads the questions aloud.

The story of money

  • The girl grows grainShe carries it to theriverShe swaps for a fish
    4+

    Before there was money

    ABCSheetNotes
  • Pip has toomany applesPip carriesthem to MoPip and Mo swapBoth are happy
    4+

    Trading with a neighbor

    ABCSheetNotes

Earning and jobs

  • Make the lemonadeSell cups to friendsCoins go in the box
    4+

    A lemonade stall

    ABCSheetNotes
  • A worker worksSomeone ishelpedThe worker getscoinsCoins buy food
    4+

    Jobs people do

    ABCSheetNotes

Saving and budgets

  • Takes waiting• a seed growing• bread baking• a snowman melting• a jar fillingRight now• a hug• a wave• a clap• a bubble popping
    4+

    Waiting for what you want

    ABCSheetNotes
  • Wish for thekitePut a coin inthe jarThe jar is fullBuy the kite
    4+

    Saving in a jar

    ABCSheetNotes

Credit and loans

  • Ask to borrowMake a promisePlayGive it back
    4+

    A promise to pay back

    ABCSheetNotes

Investing and growing

  • Dig a holePlant thecoinWater itWaitMore coinsgrow
    4+

    Planting a money seed

    ABCSheetNotes

Spending wisely

  • A grown-up gives acoinPip pays the sellerThe seller pays thefarmer
    4+

    What money is for

    ABCSheetNotes
  • Market• stalls in a row• the open air• stripy awnings• sellers calling outShop• a door and a roof• a door bell• shelves inside• a shopkeeper
    4+

    Shops and markets

    ABCSheetNotes
  • 🛒🪙🧾🏪
    4+

    Getting a receipt

    ABCSheetNotes
  • A grown-up pays• our home• our dinner• the lights• the bus ride• the soft bedPip pays• a sticker• a balloon• a pencil• a little sweet• bubbles
    4+

    Who pays for things?

    ABCSheetNotes
  • Tap the cardCoins leave thesafe placeThe shop getsits coinsPip gets thetoy
    4+

    Paying with a card

    ABCSheetNotes
  • Needs• food• water• a coat• a toothbrush• a bedWants• a toy car• sweets• a video game• a balloon• stickers
    4+

    Needs and wants

    ABCSheetNotes
  • Free• the sun• a swing in the park• a hug• a smileCosts money• ice cream• a balloon• bread• new shoes
    4+

    Free or costs money?

    ABCSheetNotes

Giving and values

  • Think of thefriendPay a coinWrap itGive it
    4+

    A present for a friend

    ABCSheetNotes
  • A shop sells• bread• a toy ball• shoes• ice cream• a story bookNo shop sells• a hug• a sunny day• a friend• a kind word• a smile
    4+

    Things money can't buy

    ABCSheetNotes
  • Sharing• giving an apple• a turn with the ball• a book• playing togetherNot sharing• hiding the apples• keeping every snack• running off with the ball• opening a friend's bag
    4+

    Sharing and giving

    ABCSheetNotes
7+

Ages 7+

Where coins and paper money came from, what a shopkeeper earns, spending or saving, borrowing and the first ideas about stocks and taxes.

The story of money

  • Prices in shells01234565Grain2Fish6Cloth4Potshells
    7+

    Shells, beads and salt as money

    ABCSheetNotes
  • A lump of metal• Every one a different size• Weigh it every time• SlowA stamped coin• Every one the same weight• The mark says it is right• Quick to use
    7+

    The first coins

    ABCSheetNotes
  • Strings of coins• Heavy to carry• A long trip means a sore backA paper note• Weighs almost nothing• Fits in a pocket• Has a seal
    7+

    Paper money begins in China

    ABCSheetNotes
  • A pretend day of digging01234566Stones5Iron3Copper1Goldpieces found
    7+

    Why gold is special

    ABCSheetNotes
  • Dario borrows 6coinsHe buys an ovenand bakes breadHe sells lotsof breadHe pays back 7coins
    7+

    The first banks

    ABCSheetNotes
  • A little gold• Gold is rare• Each piece is worth a lotLots of gold• There is suddenly lots of it• Each piece is worth less
    7+

    Mansa Musa and his gold

    ABCSheetNotes
  • Ben has fishCy wants eggsBen has no eggsNo swap
    7+

    Barter: swapping goods

    ABCSheetNotes

Earning and jobs

  • Nico's costs01234566Flowers2Ribbon1Papercoins
    7+

    What a shopkeeper earns

    ABCSheetNotes
  • Hours and pay02468101231 hour62 hours93 hours124 hourscoins
    7+

    Wages and pay day

    ABCSheetNotes
  • Leo's lemonade coins0123452Mon3Tue5Wed4Thucoins
    7+

    Earning money

    ABCSheetNotes

Saving and budgets

  • Weeks to save 10 coins0246810101 a week52 a week25 a week110 a weekweeks
    7+

    Saving a little every week

    ASheetNotes
  • Coins in Kai's jar0246810126Start8Week 110Week 212Week 3coins
    7+

    Spend or save?

    ABCSheetNotes
  • Weeks to save 24 coins024681012122 a week83 a week64 a week46 a weekweeks
    7+

    A goal that is far away

    ABCSheetNotes
  • Dev's party list0123455Cake2Balloons3Music4Gamescoins
    7+

    A budget for a party

    ABCSheetNotes
  • Weeks to save 20 coins02468107Ria alone10Jo alone4Togetherweeks
    7+

    Saving with a friend

    ABCSheetNotes
  • Weeks to save 12 coins024681012121 a week62 a week43 a week34 a week26 a weekweeks
    7+

    Saving for a bike

    ABCSheetNotes
  • Mia's 12 coins012344Save4Spend4Givecoins
    7+

    Three jars for your money

    ABCSheetNotes

Banks and accounts

  • The bankercounts thecoinsHer name andcoins go in thebookThe coins go inthe vaultAsk for themback on a bankday
    7+

    Bank or piggy bank?

    ABCSheetNotes

Credit and loans

  • A word kept• Gave the ruler back, as said• Asked early for one more day• Did a job as promisedA word missed• Went quiet after a promise• Forgot the promise, said nothing• Ignored the plan we made
    7+

    Trust: your word counts

    ABCSheetNotes
  • Buns on Sam's tab00.511.522.532Monday1Tuesday3Wednesdaybuns
    7+

    Before cards: IOUs and tabs

    ABCSheetNotes
  • Borrowing• Tapping a card• A tab at the baker's• A book from the library• Coins lent by a bankNot borrowing• Coins from a jar• A birthday gift of coins• Coins earned selling lemonade• A toy given by Gran
    7+

    What a credit card really is

    ABCSheetNotes
  • Coins Leo owes Gran01234566Start4After Sat 12After Sat 20After Sat 3coins
    7+

    Borrowing from family

    ABCSheetNotes
  • What Ana pays back051015111 week122 weeks133 weeks144 weeks155 weekscoins
    7+

    Borrowing costs extra

    ABCSheetNotes
  • Coins paid back012344Week one4Week two3Week threecoins
    7+

    What is a loan?

    ABCSheetNotes

Investing and growing

  • 1624365481
    7+

    The two savers

    ABCSheetNotes
  • New coins02468104Year 16Year 29Year 3coins
    7+

    Time is your superpower

    ABCSheetNotes
  • Grains on each square050100150112243841653266471288grains
    7+

    The rice on the chessboard

    ABCSheetNotes
  • Interest each year02468101210Year 111Year 2coins
    7+

    What is interest?

    ABCSheetNotes
  • Pieces owned012344Mia3Sam2Leo1Anapieces
    7+

    A stock is a tiny piece

    ABCSheetNotes

Spending wisely

  • The sign says• 9 coins at first• 3 coins offYou pay• The coins that are left• 6 coins
    7+

    Is the sale really cheaper?

    ABCSheetNotes
  • Cost in coins0246810126Kite6Book12Bothcoins
    7+

    Choosing between two things

    ABCSheetNotes
  • Cost in coins01234566Boat2Sweets5Paint setcoins
    7+

    Birthday money

    ABCSheetNotes
  • Coins01234566Started with4Spent2Leftcoins
    7+

    Money mistakes happen

    ABCSheetNotes
  • 0123456
    7+

    Comparing prices

    ABCSheetNotes

Money and the world

  • Apples and buyers01234566Apples, calm day3Buyers, calm day3Apples, fair day6Buyers, fair daycount
    7+

    Why prices change

    ABCSheetNotes
  • Mia has starcoinsThe baker takesonly tilesMia swaps atthe boothMia pays withtiles
    7+

    Money around the world

    ABCSheetNotes
  • The familiesneed a bridgeEach puts in 2coinsThe pot holds12 coinsThe buildersbuild
    7+

    Taxes: everyone shares

    ABCSheetNotes
  • Rent paid so far0510152041 month82 months123 months164 monthscoins
    7+

    Rent: paying to use a home

    ABCSheetNotes
  • Coins to fix Tam's roof01234566Tam fixes it alone1One family's coincoins
    7+

    Insurance: sharing a worry

    ABCSheetNotes

Giving and values

  • A gift• A card for a friend• Food for an animal shelter• A flower for a neighborA trade• Swapping stickers• Paying for bread• Selling lemonade for coins
    7+

    Giving to others

    ABCSheetNotes
  • Think aboutwhat Tess lovesLook at thepricesPick one thatfits Tess andthe coinsPay and wrap it
    7+

    Spending on someone else

    ABCSheetNotes
  • Fold the paperin halfDraw the gardenon the frontWrite a messageinsideGive it to Gran
    7+

    Gifts of time

    ABCSheetNotes
  • Tins the grocer sells0246821 coin42 coins63 coins84 coinstins
    7+

    Where a gift goes

    ABCSheetNotes
  • Make the jarand a heartlabelPick a planwith DadFill it alittle eachweekChoose who togive to
    7+

    A jar for giving

    ABCSheetNotes
10+

Ages 10+

Loans and credit, the minimum payment trap, savings accounts, inflation, and spotting fair and unfair deals.

The story of money

  • Goldmere after the extra notes02468101210Bars in the vault12Notes printedcount
    10+

    The gold standard

    ABCSheetNotes
  • Price• What people pay• Rose to 12 coins at the peakWorth• What it is good for• About 2 coins, as a flower
    10+

    Tulip mania and bubbles

    ABCSheetNotes
  • Four workers, about00.511.522.533Had a job1Had no jobworkers
    10+

    The Great Depression

    ABCSheetNotes
  • Loaves that ten notes buy0123455Day 12Day 21Day 30Day 4loaves
    10+

    Prices that doubled overnight

    ABCSheetNotes
  • Pay it all on time• The bill is paid in full• Usually nothing extraPay only part• The rest is a loan• A small charge is added• That charge is interest
    10+

    The credit card is invented

    ABCSheetNotes
  • Before: a house in Brickton024681010House2Saved8Borrowedcoins
    10+

    The crash of 2008

    ABCSheetNotes
  • Cash• Coins and notes change hands• Works with no power or signal• Stays private• Coins are heavy, wallets get lostDigital• Only numbers move• Needs correct records• A tap or an app is quick• No coins inside a phone
    10+

    From cash to apps

    ABCSheetNotes
  • Five copies in Kettle Hollow012344Agree with the others1Leo's changed copycopies
    10+

    The birth of Bitcoin

    ABCSheetNotes
  • 2,600 years agoThe first stamped coins1,000 years agoPaper money in ChinaHundreds of years agoBanks in busy towns
    10+

    A timeline of money

    ABCSheetNotes

Earning and jobs

  • Start-up costs024681010Cart2Sign4Jug and ladlecoins
    10+

    Starting a small business

    ABCSheetNotes
  • Profit each week02468104Week 18Week 20Week 310Week 4coins
    10+

    Profit and cost

    ABCSheetNotes
  • Try something smallPractice itThe skill grows
    10+

    Jobs and skills for later

    ABCSheetNotes
  • Rosa's slip01020304040Gross pay6Tax34Take-home paycoins
    10+

    Pay slips and take-home pay

    ABCSheetNotes
  • Pay for two months02040608010080Tess month 180Tess month 2100Sam month 160Sam month 2coins
    10+

    Salary or hourly pay?

    ABCSheetNotes

Saving and budgets

  • Mina's jar0246810122Sat 14Sat 26Sat 38Sat 410Sat 512Sat 6coins
    10+

    Pay yourself first

    ABCSheetNotes
  • Mina's plan02468101210Needs12Fun10Saving8Giftscoins
    10+

    Making a budget

    ABCSheetNotes
  • Months of costs020406080100120201 month402 months603 months1206 monthscoins
    10+

    An emergency fund

    ABCSheetNotes
  • The rule on 40 coins0510152020Needs12Wants8Savingcoins
    10+

    The 50/30/20 budget

    ABCSheetNotes
  • What Mina owns0510152020Bike15Jar5Bookscoins
    10+

    Net worth: what you own and owe

    ABCSheetNotes

Banks and accounts

  • The ledger0102030405050Ben30Maya20Anacoins
    10+

    How banks keep money safe

    ABCSheetNotes
  • The notes on the board0510152020Maya before0Cy before10Maya after10Cy aftercoins
    10+

    Digital wallets and apps

    ABCSheetNotes
  • Start: 400Year one:add 20Balance:420Year two:add 21Balance:441
    10+

    Savings accounts

    ABCSheetNotes
  • Nico's balance010203040506050Deposit52Extra40Taken outcoins
    10+

    Your first bank account

    ABCSheetNotes

Credit and loans

  • Coins a month01234553 months44 months36 monthscoins
    10+

    How loans shrink your future

    ABCSheetNotes
  • Loan sizes010203040506012Car24School60Homecoins
    10+

    Big loans: car, home, school

    ABCSheetNotes
  • Sure• Bea's 2 extra coins a month• Owing twenty coins today• The extra stops when the debt is goneMaybe• A coin a month from the orchard• A great harvest year• A stormy month with fewer coins
    10+

    Pay off debt or invest?

    ABCSheetNotes
  • Ruth's limit of 1001234566Used4Freecoins
    10+

    How credit works, step by step

    ABCSheetNotes
  • Nell's payments02468101211On time1Latepayments
    10+

    What is in a credit report

    ABCSheetNotes
  • Rin• Paid all 12 on time• Used 2 of 10 places• Oldest account 5 years• 1 new ask• A shop account and a loanTobi• Paid 9 on time, 3 late• Used 9 of 10 places• Oldest account 1 year• 4 new asks quickly• One kind of account
    10+

    What makes up your score

    ABCSheetNotes
  • Buy one smallthingUse one coinPay in fullA gold ticklands
    10+

    Building credit from nothing

    ABCSheetNotes
  • Month 1: Tomas3Month 2: Tomas3Month 3: Rosa 3Month 4: Tomas3
    10+

    Co-signing: a big promise

    ABCSheetNotes
  • May look, for a reason• A lender, when you ask for a loan• A landlord, when you ask to rent• A power company, with a yes• You, at your own bookMay not look• A curious neighbor• The seller at the sweet stall• A friend who wants to peek• A stranger passing by
    10+

    Who looks at your credit

    ABCSheetNotes
  • Owed next month0246810120Pay all 106Pay 512Pay nonecoins
    10+

    Pay in full, every month

    ABCSheetNotes
  • Of a 20-coin limit0510152011Tess used9Tess room19Kit used1Kit roomcoins
    10+

    A limit is not a target

    ABCSheetNotes
  • Coins back012341Spend 202Spend 403Spend 604Spend 80coins
    10+

    Rewards, cash back and 0% deals

    ABCSheetNotes
  • Pia owes 404 extra: 44Paysminimum 54 pay theextra1 cuts the40
    10+

    The minimum payment trap

    ABCSheetNotes
  • Pay later does• Splits a price into parts• Moves the paying later• Lets plans overlapIt does not• Make a thing cost less• Stop the bill coming• Give extra coins
    10+

    Buy now, pay later pile-up

    ABCSheetNotes
  • Fees Omar has paid0510152031 roll62 rolls93 rolls124 rolls155 rolls186 rollscoins
    10+

    Payday loans and cash advances

    ABCSheetNotes
  • Jun's pile after six months0102030405050Nothing303 a month115 a month08 a monthcoins
    10+

    The debt spiral

    ABCSheetNotes
  • Snowball• Smallest pile first• First win in month 2• 36 coins paid in allAvalanche• Costliest pile first• First win in month 4• 33 coins paid in all
    10+

    Debt snowball or avalanche?

    ABCSheetNotes
  • Ana: 20 percent• 2 extra for every 10 owed• 60 owed for a year: 12 extraBen: 10 percent• 1 extra for every 10 owed• 60 owed for a year: 6 extra
    10+

    Credit cards and APR

    ABCSheetNotes
  • The account at the tap0510152020Start14Debit20Creditcoins
    10+

    Debit or credit?

    ABCSheetNotes

Investing and growing

  • Coins for one bun01234563Year 04Year 55Year 106Year 15coins
    10+

    Why invest at all?

    ABCSheetNotes
  • Mia's garden05001000150020002563065540169450coins
    10+

    The two savers, grown up

    ABCSheetNotes
  • Ana's new coins051015202511Yr 212Yr 313Yr 414Yr 516Yr 617Yr 719Yr 823Yr 10coins
    10+

    Compound interest for you

    ABCSheetNotes
  • Extra coins on a loan of 1000102030405060101 year333 years605 yearscoins
    10+

    Compound interest against you

    ABCSheetNotes
  • Years to double0123456612 percent418 percent324 percent236 percentyears
    10+

    The rule of 72

    ABCSheetNotes
  • Ivy• Plants 100 today• Has 110 after one yearBen• Plants 100 a year later• Always one year behind
    10+

    The cost of waiting a year

    ABCSheetNotes
  • Kai saved it• The first 120 coins• 10 coins every month• 1200 coins in ten yearsThe garden grew it• 12 new coins in year two• 136 coins in year nine• 707 extra by year ten
    10+

    Saving a bit every month

    ABCSheetNotes
  • Omar, no fee• Grows by 555 coins• Holds 655 after 20 yearsTess, with a fee• Grows by 347 coins• Holds 447 after 20 years
    10+

    Fees that eat your growth

    ABCSheetNotes
  • Cy's Swing Garden050100150200160Year 1110Year 2180Year 3150Year 4coins
    10+

    Risk and reward

    ABCSheetNotes
  • A bond• A loan to the town• A promised extra each year• Climbs in small stepsA stock• A slice of a company• Worth moves with the business• Leaps and dips
    10+

    Stocks, bonds and cash

    ABCSheetNotes
  • Coins in the basket02040608010012056Four gardens at1444Four gardens at1110Two gardens at 5110The basketcoins
    10+

    The simple way: index funds

    ABCSheetNotes
  • Helps• Look at the whole chart• Read the reason card• Ask a grown-up• Take a slow breathDoes not help• Swap everything in a rush• Check every minute• Decide in a scare• Copy the loudest friend
    10+

    Ups and downs: staying calm

    ABCSheetNotes
  • After round 10510152012Oak11Pine16Berry9Mint10Fern13Rosecoins
    10+

    Practice investing with pretend

    ABCSheetNotes
  • Find the week acrossGo up to the dotRead the price
    10+

    Reading a price chart

    ABCSheetNotes
  • Payout02468101212Sam9Ana6Maya3Nicocoins
    10+

    What is a stock?

    ABCSheetNotes

Retirement and freedom

  • Pia's jar024688Years of saving4Years of livingyears
    10+

    Retirement accounts, the idea

    ABCSheetNotes
  • Ezra adds four coinsOba matches up to twoSix coins in the jar
    10+

    Employer match: free money

    ABCSheetNotes
  • Helps• Saving a bigger share• Spending less each year• Earning more coinsStands in the way• Prices that keep rising• A surprise with no spare coins• A jar whose value swings
    10+

    Early retirement: how it works

    ABCSheetNotes
  • Spent a month0246810128Nia10Obi12Paxcoins
    10+

    Living below your means

    ABCSheetNotes

Spending wisely

  • Maya's coins left024688No packs51 pack22 packscoins
    10+

    Spending and friends

    ABCSheetNotes
  • Worth in coins01234566Leo's kite1Kit's card6Ana's bookcoins
    10+

    Fair and unfair deals

    ABCSheetNotes
  • The Golden Goose Club0100200300400400Coins promised40Coins in the jarcoins
    10+

    Get-rich-quick schemes

    ABCSheetNotes
  • Fifty spins at the Lucky Wheel0102030405050Coins in30Coins out20Coins keptcoins
    10+

    Gambling and odds

    ABCSheetNotes
  • A year of the club01020304024Sign says (2 a month)36Really (3 a month)coins
    10+

    Subscriptions and hidden fees

    ABCSheetNotes
  • At the fair024688Boat kit6Art pens2Sticker bookcoins
    10+

    Opportunity cost

    ABCSheetNotes
  • Leo's wish, out of 10024681010At once61 sleep42 sleeps33 sleepspoints
    10+

    Impulse buying

    ABCSheetNotes

Money and the world

  • Flooded cellars00.511.522.532Year 11Year 23Year 3cellars
    10+

    Insurance: sharing a risk

    ABCSheetNotes
  • Kite prices in stars051015202521Lumo kite18Pell, week 124Pell, week 2stars
    10+

    Exchange rates

    ABCSheetNotes
  • Sweets for one coin024684Monday7Tuesday3Wednesdaysweets
    10+

    What is crypto?

    ABCSheetNotes
  • What the basket costs05101510Year 112Year 215Year 3coins
    10+

    Inflation

    ABCSheetNotes
  • Scarves made024681022 coins44 coins66 coins88 coins1010 coinsscarves
    10+

    Supply and demand

    ABCSheetNotes
  • Ana earns 50 coins2 in every 10 go tothe pot40 coins reach theenvelope
    10+

    Income tax: what comes off

    ABCSheetNotes

Giving and values

  • Hours given00.511.522.533Maya2Grandpa1Leohours
    10+

    Giving back

    ABCSheetNotes
  • Leo's ten coins012344Clay3Gift3Tripcoins
    10+

    Money and your values

    ABCSheetNotes
  • Read what it says itdoesCheck it with agrown-upDecide, or say nottoday
    10+

    Checking a charity is real

    ABCSheetNotes

Questions

Are these really free?

Yes. Every money worksheet and the money book on these pages are free to download and print, with no account and no email.

Which ages are they for?

There are three bands. Ages 4+ talk about trading, shops, needs and wants, and saving and sharing; a grown-up reads each question aloud. Ages 7+ look at where money came from, spending or saving, and borrowing. Ages 10+ cover loans, credit, savings accounts and inflation. Money is its own pack, banded by age, so it does not belong to a school grade.

Is it real money or financial advice?

No. The sheets use pretend money and made-up prices so a child can practice thinking about saving, sharing and comparing. They are not advice about what to buy, borrow or invest, and a family should make its own choices about real money.

What are Sets A, B and C?

A set is a different sheet on the same lesson. Set A is written for the lesson. Where a lesson has Sets B and C, they give more practice. Every set can be downloaded with its answer key on the last page.

Can I use them with more than one child?

Yes. Print as many copies as you like. Children of different ages can work from their own band, and the answer key on the last page of each set is there for a grown-up.

Want it taught aloud?

Tutorpip tells each money story aloud with pictures, and a few lessons are free to try. These printable sheets are free either way.

Play free lessons
Tutorpip

Learning, time and money sense with Pip and Sensei, Pre-K to Grade 6.

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