Teen Money Lab
Real-world finance for teens — compound interest, UK tax, payslips, credit scores, investing, and your first budget. 13 interactive games to master money.
Compound Interest: The Time Machine
Compound interest means you earn returns on your returns. Adjust the sliders below to see how a small investment started at 16 grows exponentially.
UK Tax: Know the Rules
Career Earnings Simulator
Gross salary is what you're offered. Take-home is what you get. Understanding the difference — Income Tax and NI — is crucial before starting work.
Payslip Decoder
Every payslip shows Gross (what you earn), then deductions, then Net (what you take home). Learn what each line means.
Credit Score Simulator
Your credit score determines whether you can rent, borrow, or get a mortgage. Small choices today have lasting impact.
Investing Vocabulary Flashcards
Open every card once to bank the vocabulary star.
First Flat Budget Challenge
You've landed your first job. Can you balance rent, bills, food, and still save?
Build Your Portfolio: Risk vs Return
Different assets carry different risk and return. Drag the sliders to build your ideal portfolio.
First Job: Gross-to-Net
Play with salary and pension contributions to see how take-home pay changes.
APR vs AER: Interest Rates
Subscription Trap Calculator
Fraud & Phishing Spotter
Side Hustle Earnings Calculator
Working a side hustle? Use the sliders to see your income after tax.
Real-life money calls for older teens
Work through two judgement-based scenario cards on payslips, subscriptions, fraud, and credit habits. These are designed to feel like the decisions that start showing up before adulthood.
Work through both scenario cards to finish this round.
Fresh mini-challenges every time
Shuffle three short practice cards for extra reps on payslips, credit habits, subscriptions, fraud checks, and first-job budgeting without touching your saved stars.
Complete all 3 cards to finish this practice set.