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A fun game for learning how to manage personal finances

Money Flow Challenge

Helsinki, Finland
Money Flow Challenge allows young people to learn about key issues in managing personal finances, from planning income and expenses to investment and loans, all through a game!

What is Money Flow Challenge?

“We wanted to create a completely new and fun way to learn the most important things about managing your personal finances.”

- Mikko Tavi, Planago

Managing one’s finances and making smart choices with money can be challenging for many young people. Today, different financing options make it possible to shop for things without your own money, which leads to people taking quick loans with high interest rates. It's vital to teach young people the skills needed to stay in control of their finances. 

Money Flow Challenge is designed to be fun and easy to play. It's a game that every teacher can incorporate easily into their lessons, without being a financial planning expert. 

Money Flow Challenge seeks to create discussion around financial planning in the classroom. The students play up to five levels to learn the skills needed for financial management, from planning income and expenditure, eventually making investments and using loans to fund various purchases. 

The approach was inspired by the need to break down the different elements of financial planning in a fun, gamified way that hadn't previously been offered to children. 

Research conducted at University of Vaasa in 2017, revealed that only a few edugames about personal finances had been created, with none reaching notable success. Personal finances are an important topic, but making a fun educational game for young people is very demanding. Money Flow Challenge has risen to the challenge. 

Money Flow Challenge was chosen as the game of the year in the 2016 Finnish Game Awards. It is aligned with the new Finnish curriculum’s content area for teaching financial responsibility in high school and was made in co-operation with the Finnish National Board of Education.

Money Flow Challenge is searching for pilot schools globally.

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Innovation Overview
14 - 18
Age Group
Tips for implementation
Compatible with iOS or Android tablets and phones.
Connect with innovator
Mikko Tavi
HundrED Review

Finances can seem abstract to young people, but by using a gamified approach, with real world examples, Money Flow Challenge makes learning about finances engaging and fun.


Learning about managing personal finances from an early age can help people to be in control of their money and to reduce financial difficulties in adult life.


Learning to manage personal finances is an important part of life and many young people around the world face the same challenges when it comes to understanding finances. That's why we believe the Money Flow Challenge concept could be used effectively around the world.


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Inspired to implement this? Here's how...

Downloading the game
The Money Flow Challenge game can be downloaded on iOS and Android devices and from the Money Flow Challenge's website.
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Creating a group for the class
Create a group username to give to your students. This will allow you to track the progress of all class members who have joined the group.
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Gameplay and the virtual teacher
Let the games begin! Allow about an hour in total to play through the game.
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Working through the levels
There are 5 levels to the game, each covering a different topic.
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Keeping track of the game and discussion
Using the group log in, the teacher can follow the progress of their own students on the website.
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