The financial curriculum, brought to life with real money.
Morechard's 30-module Learning Lab maps to the financial-education frameworks across England, Scotland and Wales, and delivers each lesson the moment a child's own earning and spending makes it land. No cost to pilot.
Financial education has been on the curriculum since 2014. The gap was never the intention - it's the time, the timetable, and the fact that a lesson on compound interest rarely lands when a 13-year-old has nothing yet to compound.
Morechard closes that gap from the other side. The concepts are yours to teach; we make them real at home - triggered by the child's own money, at the exact moment the idea finally means something.
Mapped to the frameworks you already work to.
Every one of the 30 modules, lined up against the published programmes of study. Select a framework to see how its coverage breaks down. Broad and deep, and still not boring: every lesson has something to do, not just read, and finishing earns badges and keeps a streak alive.
Every one of the 30 modules is mapped against the money strands of five published frameworks. Pick one to see how its coverage breaks down.
| Module | PSHE2026 PoS | EnglandCitizenship | EnglandMaths | WalesCfW | ScotlandCfE |
|---|---|---|---|---|---|
| Effort & Reward | |||||
| Taxes & Net Pay | |||||
| Enterprise | |||||
| Gig vs. Salary | |||||
| Coins, Notes & Money | |||||
| Needs vs Wants | |||||
| Spotting Scams | |||||
| Adverts & Influence | |||||
| Consumer Rights | |||||
| Comparing Deals & Advice | |||||
| Ways to Pay & Foreign Money | |||||
| Patience | |||||
| Banking 101 | |||||
| Trade-offs | |||||
| The Snowball | |||||
| Budgeting | |||||
| The Interest Trap | |||||
| Credit Scores | |||||
| Good vs Bad Debt | |||||
| Compound Growth | |||||
| Inflation | |||||
| Risk & Diversification | |||||
| Insurance | |||||
| Pensions | |||||
| Your First Place | |||||
| Digital Money | |||||
| Money & Mind | |||||
| Social Comparison | |||||
| Gambling & Loot Boxes | |||||
| Giving & Charity |
Coverage is drawn from the published programmes of study, with framework wording checked against the primary sources. The mapping is ours: it is not an accreditation by any framework body, and an independent educationalist review is still in progress as part of our Quality Mark submission.
Referenced as contributory only: the Earning & Value pillar contributes to Benchmarks 2 and 4 by giving learners labour-market information and linking concepts to the world of work.
See what a lesson actually looks like.
Each module unfolds across four short acts of about five minutes - 15 to 18 minutes per module - every act triggered by something the child just did with real money, and ending in an action. Here's a glimpse of three.
Not all work pays the same. We line up the chores the child actually did, rank them by effort, and show why the tougher jobs earn more - the first step to understanding the value of work.
Pick one higher-effort chore to take on this week.
Money left to grow earns money of its own. Using the child's real savings, we show how a small amount, kept and added to, snowballs over time - the intuition behind compound interest.
Set a six-month savings goal in the app.
Chance-based spending is designed to favour the seller. We unpack the house edge, the gambler's fallacy, and the near-miss tricks loot boxes borrow from gambling - now statutory content in RSHE.
Talk through one recent in-game purchase together.
Prefer to see a full module unfold, act by act? Watch a module in action →
Built around how schools actually work.
Mapped to the frameworks you already work to.
Every module is mapped against PSHE, England Citizenship & Maths, Curriculum for Wales, and Scotland's CfE - drawn from the published programmes of study, not our marketing.
Covers the gambling & loot-box content that's now statutory.
The 2026 PSHE programme places gambling and chance-based gaming in statutory RSHE. Our module teaches the house edge, the gambler's fallacy, and how loot boxes are designed to pull spending.
Broad and deep, not boring
Modules fire when a child earns, saves or overspends, and are built from their own numbers: sixteen calculators and explorers, tap-to-sort cards, quizzes and missions away from the screen. Finishing earns badges and keeps a streak going, so the depth gets used, not skipped.
Home-school bridge
What you start in class is reinforced at home, with parents in the loop and a prompt to start the conversation.
Safeguarding by design
Nicknames only, no child data to AI, UK/EU storage, no debit cards. Aligned with UK GDPR, COPPA and GDPR-K.
Four tiers, tracking your key stages.
The Lab's tiers follow each nation's progression structure. Ages are indicative - frameworks define progression by attainment, not age.
- England KS1 / lower KS2
- Wales PS1-PS2
- Scotland Early / First
- England Upper KS2 / KS3
- Wales PS2-PS3
- Scotland Second / Third
- England KS3 / KS4
- Wales PS3-PS4
- Scotland Third / Fourth
- England KS4 / post-16
- Wales PS4-PS5
- Scotland Fourth / Senior
What Morechard is (and isn't).
A quick disambiguation, because it sits alongside your teaching - not in place of it.
- A curriculum-aligned home companion to your teaching
- A real-data financial-literacy programme for families
- A bridge between the classroom and the kitchen table
- Free to pilot, with nothing to install
- A replacement for classroom financial education
- A debit card, bank account, or banking product
- A data-harvesting or advertising platform
- A school IT system to procure and maintain
Mapped against the published programmes of study.
For curriculum leads who want the references first. Each framework, with its coverage and its source. The bar shows how much is covered directly versus partially.
Labour-market information & world of work - contributory only.
Framework wording is checked against the primary sources above. The full per-module matrix is the evidence artifact behind our Financial Education Quality Mark submission. An independent educationalist review is in progress - we'll publish the reviewer's name on completion.
The 2026 PSHE Programme of Study places gambling and chance-based gaming - including loot boxes - within statutory Section 1 RSHE. Morechard's module covers all three named elements.
Children's money habits are largely set by the age of seven.
University of Cambridge, 2013Two in five UK adults have less than £1,000 in savings.
Finder, 2026Two thirds of under-35s say money worries have hurt their mental health.
Mental Health FoundationA simple way to bring it in.
No procurement, no contract. A path you can move along at your own pace.
Introduce Morechard to one year group's families - a newsletter line and a link is all it takes. Pupils access it at home; nothing changes in your IT.
Point each module to where it already sits in your scheme of work using the alignment matrix, so home learning reinforces the classroom at the right moment.
Use the curriculum-mapping matrix and engagement as evidence of financial-education provision - useful for PSHE audits and the Quality Mark.