About PayGrade

PayGrade is an online virtual bank and investment simulation used by thousands of schools around the world to teach students all about money.

On PayGrade, students experience real world money situations and navigate the ins and outs of everything related to personal finance like saving, budgeting, paying bills, earning income, investing and more.

We live in a complicated financial system that is full of financial opportunity as well as financial traps, scams, and daily temptations to spend money. At PayGrade, we don’t just teach the basic money management skills in a day, we create an immersive experience for students to dive deep into their own money habits and grow into responsible, educated consumers.

In Elementary and Middle Schools, teachers use our platform to create Classroom Economies, where students are assigned jobs to help run the classroom and they are paid for their work. Additionally, teachers assign bills, hand out citations for off task behavior, reward students for going above and beyond, and allow students to experience basic money situations like buying vs renting their desks.

In High School and beyond, teachers use our platform to introduce their students to real world job applications, writing resumes, managing credit, and investing in various financial instruments. PayGrade allows students to virtually trade over 3,300 stocks, 500 of the most popular cryptocurrencies, as well as foreign currencies – all with real time market data.

Automated payroll
Default classroom settings will appear with your grade level. You can add, modify or delete classroom functionality with PayGrade PLUS.
Savings Account
Credit Card Account
Automated Bills
QR Code Money
Buying & Selling Assets
Digital Checkbooks and Wire Transfers

Reinforcing Positive Behavior

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

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?

Learn Real-World

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.

Ready to transform your classroom?

Create your classroom economy now!

Latest News

Read the latest news about PayGrade here.

PayGrade - A Classroom Economy Simulation You Can Use All Year

PayGrade is a great program that at its core teaches students money management lessons, but can be used for much more than that. In fact, even though I'm teaching computer science this year I plan to try using PayGrade in one of my classes

Classroom Economies are replacing ClassDojo Points with virtual cash! #GraduateClassDojo

Similar to ClassDojo, PayGrade is a classroom management solution. However, instead of goofy monsters and imaginary points, PayGrade puts the world of finance into the hands of students - allowing them to experience everything related to money before entering the real world.

Teaching Students to be Financially Literate

A glimpse into financial literacy