Age All ages 5 to 7 8 to 11 12 to 15
Topic Every chart Finance Maths Thinking
The Captain's Chart
Every Finance, Maths and Thinking level in Captain Cleo on one chart, with what each level teaches.
Level 1 of each chart is open to every family, and every game is free to play.
Green by playing. A tile turns green when your child passes it in the game.Gold by finishing. When every tile in a level is green, the level turns gold.A certificate for every gold level , to keep and to print.
Finance
1 Level 1 Home Waters 4 islands Everyday money: the voyage begins. 42 money concepts.
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Pocket Money Bay Choice 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 Springs The 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 Bazaar Market 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 Street Money 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
2 Level 2 The Wild Waters 5 islands Scams, traps and rising prices. 45 money concepts.
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Scam Alley Scam 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 Reef The 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 Jungle Trick 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 Keep Feed 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 Volcano Beat 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
3 Level 3 The Builder's Sea 4 islands Making money: jobs, business and trade. 47 money concepts.
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Job Harbour Shift 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 Shipyard Build-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 Town Run 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 Winds Trade 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
4 Level 4 The Deep Sea 4 islands Investing and high finance. 46 money concepts.
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Bull & Bear Arena Investment 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 Temple Numbers 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 Caverns Chain 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 Point Key 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
5 Level 5 The Far Horizon 3 islands Purpose, the future and graduation. 22 money concepts.
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The AI Nexus Agent 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 Lighthouse Light 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 Peak The 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
1 Level 1 The 1, 2, 5 and 10s 4 tables The 1, 2, 5 and 10 times tables: 48 facts. Passed: every fact answered fast, three times in a row.
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1 The 1 times table 12 facts
2 The 2 times table 12 facts
5 The 5 times table 12 facts
10 The 10 times table 12 facts
2 Level 2 The 3, 4 and 11s 3 tables The 3, 4 and 11 times tables: 36 facts. Passed: every fact answered fast, three times in a row.
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3 The 3 times table 12 facts
4 The 4 times table 12 facts
11 The 11 times table 12 facts
3 Level 3 The 6, 7, 8 and 9s 4 tables The 6, 7, 8 and 9 times tables: 48 facts. Passed: every fact answered fast, three times in a row.
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6 The 6 times table 12 facts
7 The 7 times table 12 facts
8 The 8 times table 12 facts
9 The 9 times table 12 facts
The 12 times table, and division in Centre Court: 12 facts. Passed: every fact answered fast, three times in a row.
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12 The 12 times table 12 facts
5 Level 5 Beyond the 144 14 topics 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.
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Thinking
1 Level 1 Evidence, bias and uncertainty 3 rooms Weighing evidence; Bias and who was left out; Claims versus proof.
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The Weighing Room weighing evidence
The Mirror Pool bias and who was left out
Sir Certain claims versus proof
2 Level 2 Staying safe online 3 rooms Personal data and staying safe online; Scam resistance in a marketplace; Where a picture came from, and a scam call.
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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
3 Level 3 Asking, checking and judging 4 rooms Asking clear questions; Who benefits if you believe this; Judging a rule and defending it; Checking before trusting.
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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
