For Teachers

Financial Literacy Worksheets

Check out this giant list of financial literacy worksheets organized by grade level.


Financial literacy is vital, from your youngest students to your high school seniors. There are many ways to teach the topics, including games, activities, and projects. Sometimes, though, the simplest approach is best, and worksheets can be your go-to for all things financial literacy. Let’s run through the best worksheets for various grade levels so you can find the worksheet you need, no matter the grade you teach.

Financial Literacy Worksheets for PreK-Kindergarten

Much financial literacy in pre-K and Kindergarten revolves around money awareness and coin identification, and these worksheets will give you a boost.

  • Kids’ Money U.S. Coin Values Worksheet: This worksheet is ideal for young learners. It shows students various coins found in the United States and has them express different ways to describe their value, making it a valuable addition to your classroom.
  • Coins and Their Values: This worksheet asks students to match coins to their values. They learn the look of coins and their worth, growing their knowledge of currency.
  • Identifying Coins and Their Values: This sheet requires students to identify coins, know their values, and count totals. It is good practice for young learners.
  • Coins and Values Identification: This worksheet has students match coins and values, keeping them fresh with their money awareness skills.
  • Coin Identification and Counting: This worksheet requires students to identify coins and count the number of each.
  • Coins: This worksheet shows students pictures of various coins, and they spell out the names of each.
  • Naming and Counting Coins: This worksheet gives students plenty of chances to identify coins. They compare amounts, understand values, and see coins in images and pictures.
  • Coin ID: Students need to find and identify the nickels, dimes, or pennies in these worksheets. The focus is on U.S. money of various denominations.

Financial Literacy Worksheets for 1st-3rd Grade

In the early elementary years, students have a solid understanding of coins and currency, allowing teachers more leeway to work on skip-counting and money math. These worksheets will boost their financial literacy and keep them engaged in your class!

  • Counting Money and Making Change: This worksheet pack involves various levels of cash drills. Your students count money on one sheet and then use that knowledge to make change from different coins.
  • Buy, Sell, & Make Change: This worksheet requires students to determine how much change they would get from buying specific products. They must draw the amount in bills and coins and then write the total amounts.
  • Label Each Coin By Name and Value: This worksheet has students identify various coins, write their names, and list their values.
  • Identifying Coins: Your students will have fun underlining quarters, circling dimes, putting an X on the nickels, and drawing squares around the pennies in this worksheet.
  • Identifying Coins Check-In: Teachers can use this worksheet to gauge student comprehension of various coins and values.
  • Disney Ears Math – Making Change: This worksheet shows students practical examples – in this case, buying Disney ears – to see how much change they would receive. They need to calculate with various numbers and money, showing them different ways to make change.
  • Making Change from $1.00: If you want to give your kids a challenge, this worksheet requires some extra thought. They have to devise two different ways to make change for each scenario, showing them how different coins can total the same amounts.
  • Making Change: This worksheet offers a place to work on various change-making problems. Kids need to calculate change when given the price of an item and how much someone paid for it.
  • Making Change With Cents: This worksheet gives students several problems to calculate and determine how to make change. Each situation is unique and requires students to complete multiple operations to solve.
  • Making Change With $5: This worksheet focuses on a specific dollar amount – five dollars – to give students practice making change. They need to show their work in a designated space and write their final answers.
  • Compare And Contrast Money: You can have your students think about money and respond in writing on this worksheet, with kids describing the similarities and differences of various coins and bills.
  • Money Practice: Kids need to categorize coins and their worth in this worksheet, calculating totals with pennies, nickels, and dimes.

Financial Literacy Worksheets for 4th-5th Grade

Your 4th and 5th graders are advancing quickly in their math skills, and these financial literacy worksheets will give them ample practice. 

  • Making Change: This worksheet presents kids with various word problems. It merges reading comprehension with arithmetic and requires students to choose which operations to use.
  • Can You Make Change? In this worksheet, kids calculate different change-making problems. You can use this as an exit ticket, in small groups, or as an independent activity.
  • Making and Counting Change Activity: This worksheet comes with multiple problems for your students to solve. They see pictures of money, need to add it up, and then calculate the change given.
  • Sharing A Story About Borrowing: This worksheet goes along with a story you can read to the kids about borrowing, introducing young students to the topic of credit.
  • Borrowing and Lending Money: Students finish a story about being a reliable borrower in this worksheet.
  • Becoming a Trustworthy Borrower: Young learners see how to borrow, why it is necessary sometimes, and how to pay back or return things responsibly in this worksheet.
  • Build Your Own Budget: This worksheet separates costs into wants and needs and includes a section on long-term goals.
  • Monthly Budget Worksheet For Kids: This worksheet is outstanding for young students because it gives them a basic idea of how a budget works, with only a few rows to fill out.
  • Save, Spend, Share Worksheet: This budgeting worksheet for kids tracks the amounts they put into their Save, Spend, and Share jars, showing them a direct connection between money and budgets.
  • Financial Logs For Kids: This worksheet pack gives kids multiple ways to track their budgets and teaches them the various components involved in monthly planning.
  • Christmas Budget: This worksheet shows students a fun way to budget and track costs, using holiday presents as a way to demonstrate the skill.
  • Making Change Practice: This worksheet focuses on subtracting decimals, using accurate prices, and sale-priced items. They need to do the math correctly to find how much money they’re owed.

Financial Literacy Worksheets for 6th-8th Grade

Middle school students are preparing for high school and beyond; the more money education, the better. These worksheets will strengthen their financial literacy and boost their confidence.

  • Kid’s Money Budget Worksheet: This worksheet provides students with an engaging
  • and practical workspace, helping them become expert budgeters as they learn and solidify money concepts.
  • Understanding Credit Scores: This worksheet has students match definitions and answer comprehension questions about credit scores.
  • Are U Money Savvy? This worksheet goes over savings, budgets, coupons, and more. It is an excellent tool for middle schoolers to develop general financial literacy.
  • The Art of Budgeting: In this thorough worksheet, students need to list different goals, understand how a typical spender budgets, and create their own plans.
  • Monthly Budget Worksheet: This worksheet lets students develop their budgets or input numbers to a sample budget to see how the process works (scroll to the bottom for the worksheet).
  • Budgeting For A Fun Day With A Friend: This worksheet lets students create a daily budget, showing them they can modify their plans and create budgets for different time periods.
  • Avoiding Debt: Credit can be a pro or con, and students see how to manage scenarios that turn dangerous in this worksheet.
  • Analyzing Credit Card Statements: This worksheet gives students a chance to look at a credit card statement and understand the terms, ensuring that kids know how to comprehend their credit card usage.
  • Card Comparison Shopping: This worksheet supplies information on three cards and has students look up two more, determining the specific advantages for each.
  • Saving and Investing: In this worksheet, students examine the various processes of setting cash aside for different time horizons. They set short, medium, and long-term goals, learn how interest works, and take a quiz to demonstrate their knowledge.
  • Money Goals: This worksheet shows interesting savings ideas that kids can plan for (video game consoles, donations to charities, etc.) and has them make specific goals. Once they establish short and long-term goals, they formulate plans to save.
  • Algebra Word Problems With Money: If you seek algebra in your lessons, you will appreciate this worksheet. It combines algebraic processes with money word problems to show students how math factors into real life.
  • Budgeting and Money Management: This worksheet presents word problems about essential financial topics, including budgeting and money management.

Financial Literacy Worksheets for 9th-12th Grade

Teachers and homeschoolers of high school students can use these worksheets to hammer home important concepts. You will find a wide variety of financial topics here that you can use today!

  • Kids’ Money Teen Budgeting Worksheet: Creating an accurate budget is an essential way to track expenses and monitor savings progress. This worksheet is perfect for teenagers looking to stay on an ideal financial path.
  • Miya Builds Her Wealth: This worksheet shows students the story of Miya, who is on a mission to save money and spend wisely, demonstrating how to balance wants and needs. They learn about saving and budgeting as part of a larger money management approach.
  • Planning Your Financial Path to College Graduation: This worksheet shows kids the various ways to save money for college expenses. They use an online tool to find costs, determine how much they would need for multiple educational pathways, and fill it in on the sheet.
  • Saving Money Brainstorming Activity: This worksheet requires students to think of multiple ways to save cash. They list several items, focus on one to pursue in-depth, and then research how to maximize their approach.
  • Where to Stash Your Cash: This worksheet (see page 3) requires student research to find the best savings accounts for different goals. They discover other ways to save money, including CDs, money market accounts, and savings accounts.
  • Budgeting Your Money: This worksheet touches on critical budgeting points and has students track their income and expenses over a month as they monitor their spending.
  • My Own Budget: Students develop their budgets in this worksheet, showing their expenses and income as percentages in pie charts and lists.
  • Budget Busters: Students look at a case study in this worksheet to see how the budget could be modified and then use percentages to calculate their own budgets.
  • Teen Budget Worksheet: This worksheet shows kids how to record income and expenses and automatically performs the calculations for them.
  • Monthly Budget: This worksheet splits expenses into categories so that students understand the primary spending areas and how to budget for them.
  • Making A Budget: This worksheet lets students see how to keep costs down, enter entry-level job incomes, and develop a plan for the future.
  • Budgeting Activity: This worksheet shows students how to calculate the expenses of living independently, demonstrating how much it may cost to have their own place and transportation.
  • Monthly Budget Worksheet: This worksheet comes in PDF or Excel, letting students fill in expense items and determine if they can stay within their budgets.
  • Can You Afford It? This worksheet has students weigh income and expenses, showing them how to calculate costs and stay within their means.
  • Dinner Preparation On A Budget: This worksheet requires students to budget for a dinner party, showing them how to prioritize expenses and learn about opportunity costs.
  • Credit: This complete worksheet covers many subtopics of credit, showing kids the concept clearly.
  • Credit Cards: These worksheets give details about credit cards and provide students with valuable practice working with them.
  • Getting A Credit Card And Using It Wisely: This worksheet highlights how credit cards work and why interest rates matter in people’s credit.
  • Debit Cards vs. Credit Cards: This worksheet has students compare debit and credit cards, showing them the main differences.
  • A Tale of Two Credit Scores: This worksheet shows students how credit scores can differ significantly between two similar people, showing them the effects of good and bad scores.
  • Credit Card Comparison Chart: This worksheet shows students how to find essential information when comparing cards, including over-the-limit fees and penalty APRs.

Head over to our main Kids’ Money for Teachers center for more curriculum resources.

About the Author

Peter Brown

Peter Brown is a National Board Certified teacher with over two decades of experience in the classroom. He loves working with students of all ages in many subjects, but particularly in practical areas like money education, to help kids achieve their goals. When he is not teaching or writing about financial literacy, you can find him surfing, hiking, skiing, or traveling to new places.

Last updated on: July 8, 2024