30+ Financial Literacy Lesson Plans for Every Grade Level

Great practical ideas and activities to teach kids about money.

Sponsored By Hands on Banking
illustration of money saving worksheets for kids financial literacy lesson plans

Teaching financial literacy is certainly not a new idea, but knowing about personal finances has become an increasingly important set of skills. The good news is that Hands on Banking has over 30 free financial literacy lesson plans available, ranging in grade level from elementary to high school. The lessons are already done for you and easy to implement, so you can integrate teaching financial literacy right away. From getting students engaged and talking to showing how math is used in daily life, we’ve got you covered with these free resources. Here are our favorite nine, and the link to the rest of the lesson plans is at the bottom!

How to use real-world math

1. Meet the Coins lesson plan

Looking for a multi-sensory way to introduce coins? Lower elementary students identify and make rubbings of different coins. The prompts to observe coins, both their physical properties and values, are a good jumping-off point for more discussion.

IPad featuring a math worksheet

2. The Basics of Taxes

Middle schoolers may talk big about money, but do they know how to calculate how much they’ll earn after taxes? In this lesson, students help Terry, who works 35 hours a week at an hourly rate of $7.25 before taxes, figure out what he’ll take home after paying into Social Security (6.2 percent) and Medicare (1.45 percent).

Let’s have meaningful conversations about financial literacy

3. Learning to Be A Smart Shopper

In this lesson, lower elementary students compare the prices of similar items at two different stores. And, of course, there are deals if you buy more than one! This particular lesson lends itself to breaking up the questions over a few days as a quick, engaging activity to start your day or math lesson.

4. Make the Most of Your Money

If you loved Learning to Be a Smart Shopper, but you teach older students, this lesson digs deeper into comparison shopping and budgeting.

Laptop featuring budgeting worksheet

5. Evaluating Charities

Middle schoolers and high schoolers are passionate about charitable giving, but how do they decide where to give? In this lesson, students can look at a simplified chart of how two charities spend their annual budgets. Get students talking by asking students which of the two charities they would give to and why.

6. Navigating the World of Virtual Currency

Have you ever had a student ask about Bitcoin or Cryptocurrency? This lesson will be a great discussion starter for your class. It’s written for high school students but adaptable for younger grades. I particularly like the True/False activity that is sure to do some myth-busting in your classroom.

How to Integrate lessons if you aren’t a math teacher

7. Spending, Saving, and Giving Back

If your class is thinking of undertaking a service project, use this lesson plan to introduce upper elementary students to the concept of charitable giving. Explore fundraising and donating time with a real-world example of giving to a local animal shelter.

8. Hands on Banking Elementary Toolkit

Literacy teachers can make the theme of needs vs. wants come to life with “Understanding Needs and Wants” in this lesson. Introduce the concepts by sorting lists of items. You might include iPhones, food, hugs, and rain. Put the items into the categories of needs or wants. This lesson is designed for students to move to different sides of the room. For online classes, have students respond in the chat or in a poll.

9. Including Charity Donations in Your Budget

Students might already be aware of charitable giving. However, they might not know how to research an organization’s mission statement and reputation. Middle schoolers can combine research skills with budgeting know-how with this lesson.

Laptop featuring a math chart

For 21+ more lessons that help you bring financial literacy learning to your students, head over to Hands on Banking for educators. You’ll find sections for elementary school, middle school, and high school!

Looking for even more ideas? Check out How to Help Families Talk About Money With Their Children.