For Texas families and classrooms
Texas writes personal financial literacy directly into elementary math: the six strands of Math TEKS 5.10. Most classrooms cover them a few minutes at a time, squeezed between fraction units. Networthy teaches all six strands as a complete course with digital lessons, printable activities, and real-money missions.
Networthy is building the full K-5 arc. The Grade 5 course is complete and available now, and it's a strong fit for students ages 8-12, especially kids getting their first real financial education. Grades K-4 are coming next.
The free lesson needs no signup, no card, and no email.
| TEKS standard | What the student learns | Networthy lesson |
|---|---|---|
| 5.10A | Define income tax, payroll tax, sales tax, and property tax | Lesson 4: Gross vs. Net, then a tax hunt on a real receipt |
| 5.10B | Explain the difference between gross income and net income | Lesson 4: computed on pretend pay stubs |
| 5.10C | Advantages and disadvantages of checks, credit cards, debit cards, and electronic payments | Lesson 6: Cash, Card, or Tap? Five ways to pay and whose money each one moves |
| 5.10D | Develop a system for keeping and using financial records | Lesson 10: a four-week money log, checked weekly with a parent |
| 5.10E | Describe actions to balance a budget when expenses exceed income | Lesson 10: the three moves for a broken budget |
| 5.10F | Balance a simple budget | Lesson 9: a real budget on the kid's real money, signed and hung on the fridge |
Full standard text: 19 Texas Administrative Code, Chapter 111, Section 111.7 (Grade 5). The course also covers the 2021 National Standards for Personal Financial Education, Grade 4 benchmarks, across all six national topics.
Networthy's vendor application for the TEFA marketplace (Educational Products category) is submitted and under review. Once approved, Texas families will be able to purchase the course directly with ESA funds.
Until then: many families buy directly ($79, whole household) and keep the receipt for reimbursement where their program allows. Questions about using program funds? Email hello@networthykids.com and we'll look at it with you.
The course fits one 45-minute block: kids run the digital lesson self-paced, then the printable becomes the group activity. One lesson a week fills a semester; two a week fits a nine-week grading period. There is no student data collected and nothing for your IT department to review. A lesson-by-lesson crosswalk mapping every lesson to TEKS 5.10 and the 2021 National Standards is included, ready to hand to your principal.
Email us for classroom and school pricing. Family pricing is $79 for every kid in the household.
Small numbers now, at ten, with training wheels. Or big ones later.
Start the Grade 5 course