Free printable money worksheets, organised by grade from kindergarten through eighth grade. Every sheet teaches one money skill and quietly practises the math your child is already doing at school that year.
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Free Downloads — Available Now
These are finished and free, with no email required. Each PDF is one page for the child plus a Parent Page with the words to use, a ten-minute script, and the answers. Every sheet comes in two versions so your child can see themselves in it.
| Sheet | Grade | What it teaches | Download |
|---|---|---|---|
| Meet the Coins | K | Match coins to names and values; trace the words. Counting and coin recognition. | Boy version · Girl version |
| Spend–Save–Give: My Three Jars | 1 | Split ten coins across three jars — the first money decision a child ever makes on purpose. | Boy version · Girl version |
| Jar Counter | K–1 | A spreadsheet activity: you and your child type in jar deposits and watch the totals update themselves. Their first “the computer did the math.” | Excel (XLSX) |
Print in colour or black and white — every sheet is designed to survive an ink-saver print. More sheets are added as they are finished; the full catalogue is below.
The Five Stages, K Through 8
The curriculum runs about 47 sheets across five stages. Each stage introduces a small vocabulary ladder and one math skill, so the money lesson and the school year reinforce each other rather than competing for attention.[3]
| Stage | Grades | Money words | The math underneath |
|---|---|---|---|
| 1. Money Is Real | K–1 | penny, nickel, dime, quarter, price, spend, save, want, need | Counting to 100, skip-counting by 5s and 10s, simple addition |
| 2. Earning and Change | 2–3 | earn, allowance, chore, change, receipt, goal, deposit, bank | Two-digit addition and subtraction, making change, intro multiplication |
| 3. Budgets and Decimals | 4–5 | income, expense, budget, profit, cost, sales tax, entrepreneur | Decimals as money, multi-step word problems, intro percent, bar graphs |
| 4. Banking and Growth | 6 | checking, debit, wage, simple vs compound interest, balance, fee | Percent fluency, ratio and rate, formula thinking, line graphs |
| 5. The Real System | 7–8 | gross and net pay, deduction, credit score, APR, inflation, index fund, Roth IRA | Compound growth, percent change, multi-variable problems, reading data |
The sequence is deliberate. A first grader splitting ten coins into three jars and an eighth grader computing what a $500 television costs at 24% APR are doing the same lesson at different resolutions: money is finite, choices have prices, and the arithmetic tells you the truth.
How to Use These With Your Child
These are built to be done together, not handed over. Through third grade the instructions are written to you; from fourth grade up they are written to the child, and your job shifts from leading to checking.
- One sheet, one sitting. Each page teaches a single skill and takes ten to twenty minutes. Two sheets in one afternoon is how a good idea becomes homework.
- Read the Parent Page first. It gives you the words to use and a short script, so you are not inventing an explanation of compound interest on the spot.
- Use real money for the young sheets. A handful of actual coins beats printed pictures for a five-year-old, every time.
- Let the answer be wrong for a moment. The learning happens in the pause before you correct it. This is the cheapest place your child will ever get money math wrong.
- Connect it to something real that week. A goal poster works because the goal is real; a budget sheet works because the allowance is real.
Why Worksheets, When the Lessons Are Free?
Because reading about money and doing money are different activities, and only one of them sticks. A child who has counted out $1.00 four different ways understands a dollar in a way that no paragraph delivers. Research on children and money keeps landing in the same place: habits form early, and they form through experience rather than instruction.[1]
Worksheets also solve a problem parents actually have. Most of us know we should be teaching this and are not sure what to say at what age. A page with a script on the back removes the hardest part — starting.
The free sheets above stay free. Complete grade packs, with answer keys and a Parent Guide, are in production; the roadmap and full sheet list live in the curriculum plan. Nothing on these pages carries advertising, and nothing aimed at a child asks for an email address.
Next: pick the stage that matches your child’s grade, print one sheet, and do it this week. Then keep going with Money Lessons by Age, or hand them How to Save for Something You Want and let them run it themselves.
References & Resources
- Whitebread, D. & Bingham, S. (2013). Habit Formation and Learning in Young Children — University of Cambridge / Money Advice Service. The study behind this site’s emphasis on doing over telling: money habits are largely formed by about age seven, and children learn them through experience rather than instruction.
- CFPB: Money as You Grow — The federal consumer agency’s age-by-age money milestones, which these stages align with loosely. A useful second opinion on what belongs at which age.
- Jump$tart National Standards in K–12 Personal Finance Education — The standards framework most school and homeschool curricula map against, for parents and teachers who need to show alignment.
- U.S. Mint: coin education resources — Official coin imagery and background for the coin-recognition sheets.
- Worksheets are educational materials, not financial advice. Figures used in examples reflect 2026 rules and are illustrative; confirm current tax and account thresholds before relying on them. Early Life Investments has no affiliation with any bank, brokerage, or curriculum publisher.