🎓 16 chapters · ten questions after each · read it or listen to it

Money skills
for teens.

Sixteen chapters for teenagers and young adults, from what money actually is to whether a first flat is affordable. In chapter nine a £1,200 laptop goes on a credit card at the minimum repayment, and eleven and a half years later it has cost £2,870.

Download on theApp Store

Three chapters free. Then £5.99, once, for every child in the house. No subscription, no ads, no tracking.

The results screen: three children on one stage, with chapters done and average score

The Novara certificate of completion, issued: gold border, the learner's portrait and all sixteen chapters with their scores

Compound interest calculator with a live chart

Where this came from

I built it for my own three. Then it went into the App Store.

In the summer of 2026 my daughters were 13, 15 and 17. I built this for them, and talked them into an hour a day at the kitchen table.

Read a chapter, answer the questions, then the part I liked best: argue about it. The 17-year-old disagreed with half of it. The 13-year-old asked things I couldn't answer.

They loved it. So I made it official and published it exactly as it was: no subscription, no adverts, no data collected about a child.

Mark

Dad of three · built Novara

What's actually in the app

Sixteen chapters, ten questions after each, five calculators. Chapter seven adds up five subscriptions nobody remembers signing up for and arrives at £503.40 a year, which it calls half a phone.

The results screen: every child at full height on one shared stage

Compound interest calculator with a live growth chart

✅

Tests you can't bluff

Ten questions after every chapter, marked and explained on the spot. All 160 were rewritten this year so the longest answer is no longer the right one, and the options are reshuffled on every attempt. Skim the chapter and it shows.

🧮

Five calculators

Compound interest, inflation, a savings goal, a budget, a family challenge. Drag the slider and the curve moves with it. Chapter twelve puts in £50 a month at 18 and takes out more than £130,000 at 58, of which only £24,000 was ever paid in.

🌍

Written for your country

Not a translation with the flags swapped. The German edition teaches SCHUFA, Abgeltungsteuer and the Minijob; the British one PAYE, ISAs and Premium Bonds; the Thai one PromptPay and the SET. Pick the country at the start and every example follows it.

👥

A profile for each child

Up to three, each with their own chapters, streak and results, and a parent code on the settings so nobody wanders in. None of it needs an account. Registering only syncs to a second device.

🎨

And a character who tags along

Pick one of 24, or let a grown-up turn a photo into one. It cheers during the test and stands in the player while an episode runs. Probably the reason a lot of kids still open the app on day nine.

The sixteen chapters, in order

💶 What is Money?

👛 Income & Expenses

💼 Your First Income

🐷 Saving & Setting Goals

🏦 Banks & Accounts

📈 Interest & Compound Interest

📱 Subscription Traps

🚨 Scams & Social Media

💳 Debt & Loans

🧾 Taxes & Government

🛡️ Insurance Basics

📊 Investing Basics

⚖️ Risk & Diversification

🪙 Crypto & Digital Assets

🚀 Your Financial Plan

🏠 Your First Flat

Live and written for each of these, in six languages:

🇩🇪 Germany 🇦🇹 Austria 🇫🇷 France 🇪🇸 Spain 🇬🇧 United Kingdom 🇺🇸 United States 🇳🇱 Netherlands 🇹🇭 Thailand

🎓

And at the end of the sixteen, a certificate.

The name, the score for every chapter, the date, a struck seal. Cream, navy ink, gold rules, laid out for paper, because a certificate that only exists on a dark screen isn't really a certificate.

The issued Novara certificate: a gold border, the learner's portrait and all sixteen chapters listed with their scores

New this year

Or they can just listen to it

Every chapter is also an episode: two voices talking it through, not one voice reading the text out. Ten to twenty minutes each, which is about the walk to school. Three and a half hours for all sixteen.

It keeps playing with the screen locked, and when the episode ends you land on that chapter's test, which is where the chapter ends too.

💬 16 episodes in German, 16 in English

⏱ 10 to 20 minutes each

📱 Plays with the screen locked

🔑 Part of the one payment

The Novara audio player: the learner's character inside a progress ring marked with the chapter's sections, the chapter title, a scrubber and a play button

Not a card. A course.

Almost every other money app for kids is a prepaid card with a monthly fee, often billed per child. Novara teaches, and it asks for money once.

The usual kids' money app

💸 A monthly fee, often per child
💳 A card to spend with, not a course
📉 Stops working the day you stop paying

Novara

✅ One payment, and never another one
✅ Sixteen chapters, a test after each, five calculators
✅ The audio edition included, not sold separately
✅ No ads, no tracking, and no account to create

A few things people ask

What does it cost?+

The app is free to download and the first three chapters are free to read, test included. One in-app purchase then opens the other thirteen and the audio edition. You pay it once, for the whole family, through Apple Family Sharing. £5.99 in the UK, $6.99 in the US, €5.99 in the euro stores. There is no subscription, and the App Store shows your exact price before you pay.

What ages is it for?+

Teenagers and young adults, and their parents. Chapter one explains what money is; chapter sixteen works out whether a first flat is affordable. The App Store rates it 9+.

Can they listen instead of read?+

Yes. All sixteen chapters are also audio episodes. Two voices talk the chapter through, ten to twenty minutes each. German and English so far. It is part of the one-time unlock, not a separate purchase, and it keeps playing with the screen locked.

Do my kids have to enter personal data?+

No, and there's no account to create either. You pick a country and a first name, choose an avatar and start. No email address, no phone number, no advertising, no third-party tracking. Registering exists in Settings if you want progress on a second device; nothing in the app asks for it.

Which languages and countries?+

Six languages: German, English, French, Spanish, Dutch and Thai. Eight country editions: Germany, Austria, France, Spain, the UK, the US, the Netherlands and Thailand. Each one uses the real local terms, tax rates and institutions rather than a translation.

Is it a spending card, like the others?+

No. There's no card, and no real money moves through the app at all. It's a course, not a wallet.

Do we have to do it together?+

No, it works perfectly well on their own. The talking-about-it part was our favourite bit, though, so the app leaves room for it.

What happens to the photo?+

Only a grown-up can use the camera, and only to make an avatar; children's profiles pick from the gallery. You see the exact shot first, with Use this or Retake. It's sent once, drawn, and deleted. It is never stored.

Maybe it's useful
for your family too.

The first three chapters are free, test included. If it isn't for them, you'll know by chapter two.