MoneySpark
A complete personal finance and entrepreneurship curriculum — 34 standards-aligned templates across 7 units. Each template pre-fills the activity builder so you can generate a full interactive lesson in seconds.
MoneySpark Foundations
Earning Income
Budgeting & Spending
Banking & Credit
Saving & Investing
Taxes
Entrepreneurship
Unit 0
MoneySpark Foundations
Money, mindset, compound interest, and goal setting.
What Is Money? — The Story of Currency
Trace how money evolved from barter to Bitcoin and why each shift happened.
📐 NGPF Activity Bank — Introduction to Personal Finance
Needs vs. Wants — Spending Priorities
Categorize real spending scenarios as needs or wants and connect the distinction to budgeting.
📐 JumpStart Coalition National Standards — Spending and Saving
The Power of Compound Interest
Calculate and compare compound vs. simple interest growth and explore the power of starting early.
📐 CCSS.MATH.CONTENT.HSF-LE — Exponential Growth
Financial Goal Setting — Short, Medium, and Long Term
Classify financial goals by time horizon and write personal SMART goals with milestone plans.
📐 JumpStart Coalition — Setting Financial Goals
Money Mindset — Fixed vs. Growth Financial Thinking
Explore the psychology of money, compare fixed vs. growth financial mindsets, and commit to a belief shift.
📐 NGPF — Psychology of Money
Unit 1
Earning Income
Paychecks, tax forms, career paths, gig income, and salary negotiation.
How Paychecks Work — Gross vs. Net Pay
Read a real pay stub, calculate gross-to-net pay, and understand every deduction line.
📐 JumpStart Coalition — Income and Careers
W-4, W-2, and 1099 — Tax Forms Decoded
Decode the three most important tax forms and understand the employee vs. contractor distinction.
📐 NGPF — Taxes
Career Pathways and Earning Potential
Compare earning potential across career pathways and evaluate the ROI of college for a specific career.
📐 Bureau of Labor Statistics — Occupational Outlook Handbook
Side Hustles and Gig Income — Taxes and Tracking
Understand gig economy taxes, calculate estimated quarterly payments, and set up a freelancer expense tracker.
📐 IRS — Self-Employment Tax Guidance
Negotiating Your First Salary
Research market rates, practice salary anchoring, and evaluate the full compensation package beyond base pay.
📐 NGPF — Income and Careers
Unit 2
Budgeting & Spending
Budgeting frameworks, spending tracking, and housing costs.
Unit 3
Banking & Credit
Bank accounts, payroll, credit scores, credit cards, and student loans.
Unit 4
Saving & Investing
Emergency funds, investment types, retirement accounts, and inflation.
Unit 5
Taxes
Tax brackets, filing, deductions, credits, and small business taxes.
Unit 6
Entrepreneurship
Business models, funding, financial statements, and opportunity recognition.