Website review by James Denby, Common Sense Education | Updated April 2021


Grounded financial literacy curriculum offers easy implementation

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Pros: Straightforward, practical lessons that translate from school to home. Multiple ways to deliver the content, especially for older students.

Cons: Lacks some meatier, more intriguing topics and critical approaches.

Bottom Line: This program is worth checking out: It's free and comprehensive and, while it's not pushing any boundaries, it gets the basics right and can be plugged into any classroom.

The big benefit to FitMoney is its modularity; while it's comprehensive, it's also plug and play. In the primary grades, most teachers will probably pick and choose lessons from FitMoney that can be connected to existing curricular topics, or more general themes like goal-setting and personal growth. Note that lessons for K–5 are targeted to specific grades. Middle school lessons focus on case studies and offer some of the most exciting, student-driven learning.  High school teachers should check out the certificate program, which could be a good independent learning component for a supplemental unit on life skills. It could be done in class or at home. No matter what teachers choose, it's worth checking out the extension and family conversation guides.

To help with planning, teachers might first consult the curriculum maps, which offer a nice bird's-eye overview of every lesson, it's objectives and activities, and any standards covered.

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FitMoney is a free K–12 curriculum for financial literacy. Combining lesson plans and supporting materials (student handouts and answer keys) with at-home components (family conversation guides and video lessons), the curriculum introduces students to the basics of money (even counting in early grades), but it progresses through topics like saving, interest rates, inflation, and investing. While everything is free, you'll have to sign up to get full access. Lessons vary in design by grade level. Elementary lessons are 40 minutes and are teacher-guided. There are four to six lessons per grade level. At middle school, the focus is on 18 case studies, not broken down by grade. High school is also not broken down by grade and is more teacher-led. No matter the grade level, lessons are designed to be taught individually or as part of a more comprehensive approach.

In addition to the curriculum and lesson plans, FitMoney offers a certificate program targeting older students. The program features a pre- and post-survey/assessment. During the certificate program, students progress through a series of videos with embedded quizzes to develop understanding of important personal finance topics. Covering everything from paychecks and withholding taxes to credit cards and student loans, the certificate program offers a crash course in the key elements of managing and understanding money, and can be completed independently at home or in class. 

Let's face it: All students would benefit from learning more about money -- how to manage it as well as how to make sound decisions and plans. However, teachers struggle with implementation -- both in terms of time and in having appropriate curricular tools available. FitMoney has created a free, well-articulated, and well-chunked curriculum to fill that gap. It builds understanding of both how to handle personal finances and important elements of the modern economy. It's practical and at times hands-on, with good connections to home. That last bit is important, because a lot of learning about money and spending happens at home.

The biggest drawback right now is that you won't find anything revolutionary in FitMoney. There isn't any critical examination of economic systems or institutions, but there are solid lessons that support understanding and, ultimately, control of one's own financial destiny. It'd be nice to see, as FitMoney develops and evolves, an expansion beyond the foundation to a more creative and critical exploration of finance. There's also potential for the interactive model of the certificate program to get more sophisticated and to better connect to in-class work and teacher-guided discussion and instruction.

Overall Rating


Some lessons offer opportunities for creativity and collaboration; others, especially in the certificate program, are simply content-focused. Topics cover essentials but could go into more interesting areas.


The lessons cover a range of delivery styles, from teacher-led to self-directed, and are well tuned to specific age ranges. Lessons are practical and useful but could have more critical thinking.


The resources are well thought out and make it exceptionally easy for teachers to implement bits and pieces or the whole curriculum. There are handy supporting links, extensions, and family conversations.

Common Sense reviewer
James Denby Educator/Curriculum Developer

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