Financial Literacy Simulation Games
Your Money, Your Life

Make smarter money decisions today.This app is for financial literacy education and simulated practice only. GC is a fictional learning unit, not legal tender or a real asset. No real money is handled, and the app does not provide payment, exchange, lending or investment services.

Monthly Overview
Available Account Balance
0.00 GC
Changes only when actual income, spending or account transfers are recorded. Planned budget does not affect this balance.
Monthly Budget UsageWithin Budget
Spent: 0.00 GCBudget remaining: 0.00 GC

What would you like to do today?

Your records and budget update together.

My Financial Goals

Set goals that work for you

Recent Transactions

Plan a Purchase

Check the impact on your monthly budget before deciding whether to buy.

Before You Buy

Analysis

Enter an item and price to review this purchase.

My Savings Goals

Once created, a savings goal cannot be edited. You can add funds, withdraw funds or close it. When closed, its remaining balance returns to your available account balance.

Create Savings Goal

Amount already saved toward this goal before using this app. It is not deducted from Available Account Balance.
Enter a target amount to calculate how much more you need to save.

All Goals

Money Records

Your budget and insights update automatically when you save a transaction.

Add Transaction

Budget & Opening Balance

Your opening balance is the money available for everyday spending when you start using Financial Literacy Simulation Games. Income increases your balance; spending and savings deposits reduce it. Data is stored only in this browser, so export a backup regularly.

All Transactions

Financial Insights

Based on the simulated data you enter; for learning and practice only.

Spending by Category

Personalised Tips

Monthly Summary

Money Skills & Budgeting

Choose how you would like to practise: take a quick daily quiz, build budgeting skills or explore long-term choices.

Today’s Money Skills Quiz

Progress

My Points:0 XP

Earn 10 XP for each correct answer. XP tracks learning progress and has no cash value.

🎯 Advanced Budget Simulator

Choose a scenario, allocate income to essentials, savings and wants, then respond to unexpected events. All amounts are simulated GC.

Choose a scenario and select “Analyse My Budget” to review your allocations and savings progress.

💰 Live Budget Allocation

Your allocation updates as you enter amounts.

🧠 Budget Coach

Adjust any amount to receive rule-based tips on balancing your budget and reaching your savings goal. This feature runs locally and does not use a paid API.

🏁 Challenge: Manage 100 GC for a Month

Start with 100 GC in income, allocate 45 GC to essentials and aim to save at least 20 GC. Respond to three random events while staying within budget.

RoundNot started
Net Impact of Unexpected Events0 GC
Planned Savings25 GC
Ready? Three random events will appear once you start.

Practise balancing a budget, setting priorities, handling unexpected costs, saving towards goals and reviewing decisions. The 50/30/20 rule is a guide, not a rule that suits everyone.

🎲 Everyday Money Simulation

Manage a virtual allowance through five everyday scenarios. Each choice changes your simulated balance and helps you practise money decisions.

Starting Balance200 GC
Current Balance200.00 GC
Decision Points0 points
Scenario 1 of 5

This is a simulated learning activity. It will not change your Financial Literacy Simulation Games transactions or savings balances.

🧭 Life Choices: A 12-Month Simulation

You receive simulated income of 300 GC each month. Cover essential costs, then allocate the rest to learning, social activities and savings. Your choices affect year-end savings, cash and growth points.

Current MonthMonth 1 of 12
Available Cash100.00 GC
Total Savings0.00 GC
Growth Points0 points
12-Month Journey · Month 1

This is a financial literacy simulation. Monthly income and events are fictional and are not financial advice. Your account balance, transactions and savings goals will not be changed.

Fixed Deposit Simulator

Lock away virtual GC for a fixed term and learn how time and interest rates affect your returns. Rates shown are annualised; estimated interest uses simple interest. This is an educational simulation, not a real deposit product.

Open a Fixed Deposit

Enter an amount to estimate your maturity value.

Fixed Deposit Overview

Your principal is deducted from available funds while the deposit is active. At maturity, you may withdraw the principal plus interest. Premature withdrawal returns the principal only; all interest is forfeited.

My Fixed Deposits

Track maturity dates, estimated interest and status.

Fixed Deposit Records

Cancelled deposits and deposits withdrawn at maturity are kept here for your records.

Virtual Investment Simulator

Explore asset allocation, market movements and risk management using simulated GC. All prices are generated for the game; no real money is involved.

Market Prices & Simulated Trading

Practise asset allocation and trading with virtual GC. Prices are driven by simulated economic events and are not live market quotes.

Simulated Market — Day 1

The market is waiting to open. Advance the market to see how economic events affect different assets.

Available Virtual Cash10,000.00 GC
Portfolio Market Value0.00 GC
Total Simulated Assets10,000.00 GC

Choose an Asset

Start with small simulated trades and observe the effects of risk and diversification.

My Virtual Holdings

No holdings yet. Choose an asset class to begin.

This is an educational simulator. Sample prices do not track real markets, and simulated results do not predict future returns.

Financial Literacy Simulation Games stores data in your browser and requires no paid API or self-hosted server. Data does not sync across devices. This tool is not investment, tax or legal advice.