The Captain's Chart

Money, understood, before they ever earn it

A masterclass in money, played as a game. For children aged 5 to 15, and for any grown-up who was never taught.

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The Captain's ChartFinance

Level 1Home Waters
Level 2The Wild Waters
Level 3The Builder's Sea
Level 4The Deep Sea
Level 5The Far Horizon

Past Finance Level 2, working on Level 3: The Builder's Sea.

Green when an island is passed. Gold when a level is complete.

What it is

A finance course, delivered as play

20 islands across 5 seas, each with its own game, a vault and three keys earned three different ways. Underneath sit 386 lessons and boss rounds, 1,635 questions and 202 money concepts, from pocket money to pensions. Times tables and clear thinking run alongside as levels of their own.

20islands, one game each

202money concepts

1,635questions

144times-table facts

The syllabus

Every level, every island, every concept

This is the course, read straight from the game. Open any island to see the exact concepts it teaches.

Money Finance Levels 1 to 5

Finance Level 1

Home Waters

Everyday money: the voyage begins. 4 islands, 42 concepts.

Pocket Money BayChoice Rush: needs, wants and the choices in between
The 12 concepts
- What money is and why we use it
- Money is earned: work creates value
- Needs vs wants
- Making good spending decisions
- Income and expenses
- Delayed gratification: waiting wins
- Opportunity cost: every yes is a no
- Trade-offs and scarcity
- Self-control tricks: the 24-hour rule
- Money and feelings
- Comparison: keeping up online
- Talking about money at home
Savings SpringsThe Money Garden: saving, interest and a tree you planted
The 8 concepts
- Why we save
- Saving goals: name it, save for it
- Interest: money that earns money
- Compound interest: growth on growth
- The emergency fund: a rainy-day pot
- Instant access vs locked savings
- Pay yourself first
- The jar system: spend, save, give
Budget BazaarMarket Day: budgeting and the price per unit
The 12 concepts
- What a budget is
- Building your first budget
- Handling surprise costs
- Tracking your spending
- Unit price: the real cost of things
- Comparison shopping: value for money
- Shrinkflation: same price, smaller pack
- Buying online safely
- Your right to a refund
- Returns, warranties and faulty goods
- How to complain well
- Smart shopping habits
Bank StreetMoney Detective: reading an account, money in and out
The 10 concepts
- What a bank is and does with your money
- Current accounts vs savings accounts
- Interest both ways: paid to you, charged to you
- Debit cards vs credit cards
- Reading a bank statement
- Direct debits and standing orders
- How payments actually move: tap, phone, transfer
- Why a bank transfer cannot be un-sent
- Is my money safe? Deposit protection
- First accounts and pocket-money apps

Finance Level 2

The Wild Waters

Scams, traps and rising prices. 5 islands, 45 concepts.

Scam AlleyScam Slayer: spotting a scam under pressure
The 10 concepts
- Phishing: messages that fish for you
- Fake shops and too-good-to-be-true deals
- AI voice cloning and deepfake scams
- Social media scams and fake giveaways
- Money mules: when criminals borrow your account
- Passwords, PINs and two-step security
- Identity theft
- Urgency and pressure: the scammer's toolkit
- What to do if you get scammed
- Protecting your family, including grandparents
Loot Box ReefThe Glass Arcade: loot boxes and what the odds really are
The 9 concepts
- In-game currencies: why games invent their own money
- Loot boxes: what a 2% chance really means
- Gacha and the collection trap
- FOMO shops and limited-time offers
- Microtransactions: small spends, big money
- Skins, rarity and made-up value
- Where gaming becomes gambling
- Virtual worlds and digital ownership
- Setting your own game-spending rules
Ad JungleTrick or Truth: the tricks inside an advert
The 8 concepts
- How adverts work on your brain
- Influencers and #ad: spotting paid content
- Dark patterns: design that tricks you
- Subscription traps: free trials that bite, auto-renew
- Drip pricing and hidden fees
- Paying with your data: why "free" is not free
- How the big platforms really make money
- Honest persuasion: build your own ad
Debt Dragon's KeepFeed the Dragon: borrowing and the true cost of debt
The 10 concepts
- Borrowing: using tomorrow's money today
- Interest on debt: the price of borrowing
- APR: comparing the true cost
- Credit cards: power and danger
- Buy Now Pay Later
- Credit scores: your money reputation
- Good debt vs bad debt
- Mortgages and student loans: the big borrows
- Payday traps and loan sharks
- Getting out of debt
Inflation VolcanoBeat the Rumble: inflation and the cost of living
The 8 concepts
- Inflation: why prices rise
- Purchasing power: what your pound really buys
- Interest rates: the economy's thermostat
- Central banks: who sets the rate and why
- The cost of living: the bills a family pays
- Supply and demand: why things cost what they cost
- What an economy is: growth and recession
- Wages vs prices: keeping up

Finance Level 3

The Builder's Sea

Making money: jobs, business and trade. 4 islands, 47 concepts.

Job HarbourShift Work: work, pay and asking for more
The 9 concepts
- Careers and what they pay
- Salaries, wages and your first payslip
- Deductions: where pay goes before you see it
- Minimum wage and your rights at work
- Negotiating your pay
- Safe first earnings for teens
- The second-hand economy: reselling
- Selling your skills: the CV, lightly
- Skills that grow your earning power
Startup ShipyardBuild-a-Business: price, stock and profit
The 24 concepts
- What an entrepreneur is
- Spotting problems worth solving
- Barriers to starting, and beating them
- Business models: how a business makes money
- Revenue models
- What a product costs to make
- Pricing for profit
- Profit and loss
- MVP: start small, learn fast
- The product lifecycle
- Finding customers
- Product-market fit
- Knowing your competitors
- Marketing
- Digital marketing
- Branding
- Sales: asking for the yes
- Pitching and presenting
- Building a team
- Business risks, inside and outside
- Copyright and trademarks
- Setting up a company
- Funding: investment and financing
- Founder stories: the real journeys
Tax TownRun the Town: tax, fairness and public spending
The 7 concepts
- Why tax exists
- VAT: the tax inside the price
- Income tax
- National Insurance
- Reading the tax on a payslip
- Where taxes go: public services
- Fair shares: who pays what
World Trade WindsTrade Route: currencies, buying cheap, selling dear
The 7 concepts
- The story of money: barter to digital
- Currencies of the world
- Exchange rates: swapping money
- Why currencies rise and fall
- Travel money
- Why countries trade
- Supply chains: the journey of your stuff

Finance Level 4

The Deep Sea

Investing and high finance. 4 islands, 46 concepts.

Bull & Bear ArenaInvestment Cove: shares, funds and the weather in markets
The 16 concepts
- What a company is
- Shares: owning a slice
- Types of shares
- How stock markets work
- Bull and bear: market moods
- Risk vs reward
- Diversification: never one basket
- Mutual funds
- ETFs
- Regular investing, little and often
- Building a portfolio
- Dividends and shareholder perks
- Long-term vs short-term investing
- Commodities and other assets
- A careful hello to derivatives
- Mergers and acquisitions
The Ledger TempleNumbers Dojo: cash, profit and the balance sheet
The 10 concepts
- Assets and liabilities
- The income statement
- The balance sheet
- Cash flow: money in motion
- Profit is not cash
- Ratios: the health checks
- Reading a real company's numbers
- Fundamental vs technical analysis
- How the big world moves the numbers
- Why honest numbers matter: the audit
Crypto CavernsChain of Truth: what crypto is and every way it bites
The 9 concepts
- What cryptocurrency is
- Blockchain: the chain of truth
- How the chain agrees: consensus, lightly
- Wallets and keys
- Volatility: the wild ride
- Crypto scams: rug pulls and dead coins
- NFTs and tokens
- Coins backed by real things
- Never invest what you cannot afford to lose
Property PointKey to the Door: deposits, renting and owning
The 11 concepts
- Renting vs owning
- The deposit: saving for the key
- How mortgages work
- The bills of a home
- What makes a home valuable
- Tenants and landlords, lightly
- What insurance is
- Premiums and excess
- Kinds of cover: home, car, phone, travel
- When insurance is worth it
- Making a claim honestly

Finance Level 5

The Far Horizon

Purpose, the future and graduation. 3 islands, 22 concepts.

The AI NexusAgent Academy: AI and money, agents and cloned voices
The 8 concepts
- AI shopping agents: machines that buy for you
- Algorithmic prices: why prices follow you
- AI scams: the newest tricks
- Earning with AI tools
- AI and the future of jobs
- Fintech: technology reinventing money
- Web3 and what comes next
- Staying the boss of the machine
Giving LighthouseLight the Coast: giving, and checking a charity
The 7 concepts
- Why we give
- Giving wisely: choosing causes
- Money and happiness
- Ethical spending: voting with your pound
- Greenwashing: spotting fake goodness
- Time, talent, treasure: three ways to give
- The ripple effect: money that builds places
Future PeakThe Climb: compounding, pensions and Future You
The 7 concepts
- The decades game: compounding a life
- Pensions: paying Future You
- Workplace pensions: free money from the boss
- FIRE: financial independence
- Net worth: your money scorecard
- Life goals and money plans
- Future You: decisions ripple

Maths Maths Levels 1 to 5

Maths Level 1The 1, 2, 5 and 10 times tables. 48 facts. Passed: every fact answered fast, three times in a row.
Maths Level 2The 3, 4 and 11 times tables. 36 facts. Passed: every fact answered fast, three times in a row.
Maths Level 3The 6, 7, 8 and 9 times tables. 48 facts. Passed: every fact answered fast, three times in a row.
Maths Level 4The 12 times table, and division in Centre Court. 12 facts. Passed: every fact answered fast, three times in a row.
Maths Level 5Beyond the 144: Star Voyager. 14 topics: Big multiplying, Huge numbers, Squares and cubes, Angles and turns, Fractions, Percentages, Decimals, Place value, Function machines, Number patterns, Primes and factors, Finding n, Shape and space, Money problems. Passed: each topic charted to level 3.

Thinking Thinking Levels 1 to 3

Thinking Level 1Evidence, bias and uncertainty. The Weighing Room (weighing evidence), The Mirror Pool (bias and who was left out), Sir Certain (claims versus proof). Passed: each room's ending reached.
Thinking Level 2Staying safe online. The Locked Cabinet (personal data and staying safe online), The Bait Bazaar (scam resistance in a marketplace), The Hall of Mirrors (where a picture came from, and a scam call). Passed: each room's ending reached.
Thinking Level 3Asking, checking and judging. The Asking Post (asking clear questions), The Rumour Mill (who benefits if you believe this), The Fair Room (judging a rule and defending it), The Wheel (checking before trusting). Passed: each room's ending reached.

What they come out with

Something to hold up, not just a game

Green ticks earned by play. An island turns green when its vault is opened with all three keys. A tick can never be bought.
A gold level and a certificate. Every completed level ends in a certificate to keep and print.
One plain sentence for you. "Past Finance Level 2, working on Level 3." No comparisons, no guesses about the future.
The whole syllabus beside it, so you can see what each green tick covered.

Captain Cleo · Certificate

Finance Level 2 Captain

The Wild Waters, sailed and passed

Date earnedSigned Captain Cleo

Why it matters now

One skill a child keeps for life

Money is a life skill, and school has little time for it. Children meet prices, adverts, loot boxes and scams long before anyone explains how they work.

An AI world makes good judgement about money worth more, not less. Tools will offer to spend, borrow and invest on our behalf. Knowing what a fair deal looks like, and when something is built to fool you, keeps a person in charge of their own money anywhere in the world.

That is why the course is played rather than read. A choice made on an island, with its cost felt in the game, is practised rather than memorised.

The price

Lifetime access. One payment. Never again.

No subscription, no renewal, nothing to cancel.

All levels, for life

£199 once

Every Finance, Maths and Thinking level
The green ticks, the gold levels and a certificate at each one
The full syllabus under every island, table and room
The full report in the Parent Port, included

One Finance level, for life

£59 once

The Finance level your family chooses
Its islands, its ticks and its certificate

30 day no-questions refund. Every game stays free to play, with or without the Chart.

Opens soon

The honest lines

What it is not

Not financial advice. It teaches how money works, never what to buy.
Not affiliated with or endorsed by the Department for Education or the Standards and Testing Agency.
Every game is free to play without the Chart.
Progress stays on your device. No ads, no strangers, no live AI.
The Chart is being built now. The games inside it are live today.
Operated by Eternal Raine Ltd, registered in England and Wales.

Straight answers

Questions grown-ups ask

Is it a subscription?

No. You pay once and the Chart is yours for life. There is no renewal and nothing to cancel.

Can a grown-up do it?

Yes. The islands teach real money, from payslips and tax to shares and pensions, and nothing in them is only for children.

What age is it for?

5 to 15. Finance Level 1 and the first tables suit the youngest; the Deep Sea and the Far Horizon suit the oldest. You choose the level.

What if my child needs an easier start?

Choose the level to work on. The level dial lets a child start lower or higher than their age, and change it at any time.

Do we need the Chart to play?

No. Every game is free. The Chart adds the levels, the ticks, the certificates and the syllabus.

Where is progress kept?

On your device, in your browser. Nothing a child does is sent to us.

Can I get a refund?

Yes. 30 days, no questions. Email hello@captaincleo.com and it is done.

When can I buy it?

It opens soon. Leave your name and email in the price section and we will tell you when.