The maths behind money — explained for 16-year-olds
Master the maths that makes money work for you.
Compound interest, budgeting, investing, credit and risk — all the financial ideas that shape your future, broken down into clear lessons built around real maths.
6
Core concepts
£
Real-world skills
16
Built for your age
0
Jargon without maths
What you'll learn
Six ideas that change your financial future
Every topic is rooted in a simple mathematical idea. Learn the formula, see the numbers move, and the behaviour follows.
Compound interest
Understand the formula that makes your savings snowball — and your debt balloon.
ExploreBudgeting
Give every pound a job so you always know where your money is going.
ExploreInvesting
Own a slice of companies and watch the market work for decades in your favour.
ExploreCredit & debt
Understand the true cost of borrowing and build a score that unlocks cheap loans.
ExploreRisk & diversification
Don't put all your eggs in one basket — the golden rule of smart investing.
ExploreTaxes & paychecks
Decode gross pay, net pay, and why a chunk of your income leaves before you see it.
ExploreStart here
Featured lessons
Begin with the ideas that give you the biggest head start. Each lesson is a short, self-contained read.
Budgeting Basics
Learn how to track money in, money out, and build a budget that actually works for a teenager's income.
Compound Interest — The 8th Wonder
The single most powerful idea in personal finance. See how your money can grow on itself, exponentially.
Investing 101
What it actually means to own a slice of a company, and why investing beats saving for long-term goals.
Why maths first?
Everyone "knows" finance. Maths is where the truth lives.
Most money advice is vague. We replace it with numbers you can hold in your hands. Once you can calculate compound interest or the cost of a loan yourself, you'll never be persuaded by a misleading graph again.
Formulas you'll actually use
From the compound-interest formula to the Rule of 72, learn the one-line maths behind everything.
Interactive tools
Drag the sliders, watch the curve bend. Play with the numbers until the idea clicks.
Language designed for 16-year-olds
No dense finance-speak. Honest, plain explanations that respect your intelligence.
Your future self will thank you.
The earlier you understand money, the more it compounds in your favour. Start with one lesson — it takes less than ten minutes.
Take your first lesson