Transforming classrooms
into economies.

PayGrade is an online virtual bank and investment simulation.
Business Conference

About PayGrade

PayGrade creates an immersive experience for students to learn everything related to personal finance like budgeting, paying bills, earning an income, saving, investing and more. Students learn to navigate the complex world of personal finance and experience real world money situations in a safe space - the classroom.

Why PayGrade?
K-12 educators around the world choose PayGrade as their 'go-to' solution for an online classroom economy, behavior management and/or personal finance course because it is easy to use, provides hands-on learning experiences, supports educators and values student privacy.
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PayGrade Features
The concept of a classroom economy has been around for many years; however, we revolutionize the classroom economy experience with realistic features.
Automated Payroll
Automated Payroll
Use default jobs or create your own and students can apply to them through PayGrade. Paychecks are automatically distributed daily, weekly, bi-weekly or monthly.
Customize all of your classroom settings (jobs, bills, assets, student action items, etc) to fit your students needs.
Checking & Savings Account
Checking & Savings Account
Students can manage a checking and savings account. They can transfer money between both accounts to practice budgeting and saving.
Credit Card Account
Credit Card Account
Students learn how to manage a credit card and experience firsthand the consequence when a balance isn't paid off at the end of the month.
Automated Bills
Automated Bills
Set bills to automatically deduct money from students' accounts. Bills can be customized (such as rent on a desk or a laptop).
QR Code Money
QR Code Money
Hand out QR cash that directly deposits into students' bank accounts. QR cash becomes inactive until it is returned and reactivated. Save on printing and modernize your school currency!
Buying & Selling Assets
Buying & Selling Assets
Students can buy and sell assets. Set the asset to appreciate or depreciate at different rates to teach students the power of investing.
Digital Checks & Wire Transfers
Digital Checks & Wire Transfers
Students can practice writing digital checks or wires transfers to other students or to the bank.
Marketplace
Marketplace
Host timed auctions where students can bid on different items or experiences, or simply have a marketplace for students to spend some of their savings.
Investment Simulator
Investment Simulator
Students can practice investing in the stock market and experience the risks associated with day trading. Students can research stocks with the investment news feed and make more informed decisions on where to put their money.
Student Financial Reports
Student Financial Reports
Print out financial reports for students to reflect on their money habits and set goals. Share financial reports for student led conferences.
Quiz Creation
Quiz Creation
Utilize our quiz library or create your own quiz that will directly deposit money into a student's checking account if they pass.
Goals
Goals
Students can set financial goals to learn about the importance of maintaining a budget and saving for the future.
Loans
Loans
Students can take out a loan to start a business or to buy a car and experience having to pay down the loan each month with interest.
Students don't just read about everything related to personal finance, they experience it.
Taxes
Taxes
Define your own classroom tax brackets and have students experience automated tax withholding as well as filing tax returns.
PayGrade brings financial literacy to life by
empowering youth to experience money
before money becomes real.
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Reinforcing Positive Behavior

Teachers can incentivize students to display positive behaviors in the classroom through bonuses and discourage negative behaviors through fines.

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Develop Well-Rounded Money Traits

Students learn to manage their own virtual world of finance and begin developing a money personality. Do I have money FOMO? Do I budget and save? Do I have a balance of money traits?

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Learn Real-World
Skills

The skills learned in PayGrade will help students make thoughtful financial decisions and prepare them to enter the real world. Students learn how to pay bills on time, invest and diversify, and be cautious of financial traps and scams.

Stock Market Competition
Set up a stock market competition on PayGrade that allows students to invest in over 10,000 stocks with real-time market data. Students can research daily market news within PayGrade and make informed decisions on which stocks to invest in.

Follow PayGrade's lesson plans and give your students the gift of experiencing investing, not just talking about it.
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Distance Learning? Teach Essential Personal Finance Skills and Motivate Students
Teach your students personal finance and motivate them by giving virtual money for the behaviors you want to see in class like turning on their zoom video or submitting an assignment on time. Then, reward your students through auctions whether you are in-person or remote learning by adding products and experiences to your marketplace.

Ready to transform
your teaching experience?

Join the {{ new Intl.NumberFormat().format(totalStudents + totalTeachers) }} others who utilize PayGrade today!

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Teacher Testimonials
Hear how elementary, middle and high school educators around the world are using PayGrade with their students whether in-person, remote or hybrid teaching.