A note from a Pluto parent

Financial literacy, flown like a real mission — not taught like a textbook.

A story-driven curriculum that takes a teenager from their first AED of pocket money to their first real investment decision — three age-matched flight plans, one platform.

Pricing — coming soon → Download brochure
Built for a global classroom. International-curriculum families move between countries — Pluto's money fundamentals travel with them.
One mission, three flight plans. The same rigorous course, paced for Liftoff, Orbit and Escape Velocity — never a watered-down "kids' version."
The Pluto app's quest map, showing a teen learner's progress through the course
We moved here for his father's work, and everything else about this move had a plan — school, visas, the flat. His relationship with money didn't. Pluto became that plan.
F Farah · parent of a 15-year-old, Dubai
Get the app

Install Pluto on your phone — start free, no card or cash needed.

Works on Android, iPhone/iPad and Windows. No app store needed — install straight from the browser in seconds.

Android iPhone & iPad Windows
The gap

Teenagers get handed real money years before anyone teaches them what to do with it.

01The UAE's population skews young and increasingly digital-first — yet personal finance appears almost nowhere in the school curriculum.
02Instant payment apps and tap-to-pay put real spending power in a teenager's pocket long before they understand interest, debt, or risk.
03Parents want their kids financially capable, but rarely have the time or the lesson plan to teach it themselves.
04What exists today is either a children's game with no real substance, or an adult investing app that assumes knowledge no teen has yet.
The core curriculum

Ten modules every learner completes

From earning and saving through investing, borrowing, entrepreneurship, next-gen currency, and protecting what's been built — one full financial education, not a single-topic app.

Earn, Save & Grow

7 lessons

How money flows in, why saving early matters, simple vs. compound interest, and why idle cash quietly loses value.

Work & Money

6 lessons

Careers, salaries, payslips, and how tax actually works — demystified before it's a real-life surprise.

Money Management

4 lessons

Needs vs. wants, budgeting that sticks, smart spending, banking and payments basics.

Borrowing Money

7 lessons

EMIs, credit cards, loans — when debt is a tool, and when it's a trap.

Investment

13 lessons

What investing is, Fixed Deposits, real estate, Sukuk, stocks, mutual funds & halal investing, collectibles, and reading financial statements.

Business

5 lessons

From idea to income — how a real business actually makes money.

Startup School

4 lessons

Entrepreneurship fundamentals — building something from zero.

Next-Gen Currency

5 lessons

Digital currencies and how money is evolving — explained without hype or jargon.

Money & Relationships

3 lessons

Splitting bills, lending to friends, and beating financial FOMO.

Protect What's Yours

8 lessons

Emergency funds, insurance, fraud safety, and growing net worth over time.

62 core lessons — every learner, every tier, completes all ten modules.

Pluto is a financial-education platform only. We do not provide investment, trading, tax, legal, or advisory services, and nothing on this site or in the app is a recommendation to buy, sell, or hold any asset. All lesson content, examples, and in-app simulations are for learning purposes only.

Three flight plans, one platform

12 and 18 don't need different numbers. They need different modules.

Every tier shares the same ten core modules above — plus four more, built for exactly what's relevant at that age. Same rigor throughout; the curriculum climbs with the learner.

Stage 1 · Liftoff

Liftoff

Ages 12–14

Round numbers and clean AED amounts, plus four modules built around the money moments that happen right now — first allowance, first bank account, first tap-to-pay transaction.

  • Banking Basics 6 lessons
  • Family Money & Communication 5 lessons
  • Goal Setting & Delayed Gratification 5 lessons
  • Digital Money & Payments 6 lessons
14 modules · 84 lessons total
Stage 2 · Orbit

Orbit

Ages 15–16

The baseline curriculum at full real-world complexity, plus four modules built for exactly this age — including two found nowhere else in the app.

  • Goal Setting & Delayed Gratification 5 lessons
  • Digital Money & Payments 6 lessons
  • Smart Spending in a Social World 4 lessons
  • Subscriptions & the Autopay Trap 4 lessons
14 modules · 81 lessons total
Stage 3 · Escape Velocity

Escape Velocity

Ages 17+

Same rigor as Orbit, aimed at decisions this age is about to face — a first freelance gig, a first credit card, a first end-of-service savings plan (DEWS/GPSSA), and running money as an independent adult.

  • Gig & Freelance Income 4 lessons
  • Credit Score & Real Loans 4 lessons
  • Retirement & Long-Term Wealth 4 lessons
  • Running Money as a UAE Adult 4 lessons
14 modules · 78 lessons total
Built to what US and UK education standards actually ask for

Every framework your school already trusts agrees on this.

The personal-finance standards behind American- and British-curriculum schools agree on something most apps miss: financial literacy has to be its own dedicated course, not squeezed into another subject — and it has to cover how money makes people feel, not just how to calculate it.

US · Jump$tart & CEE

A dedicated course, the way it's meant to be taught

Across the US, a fast-growing majority of states now require a dedicated personal-finance course for graduation — not one folded into maths or social studies, because the evidence shows that doesn't work as well. Pluto is built exactly that way: one continuous, standalone course, matching the standards the Jump$tart Coalition and the Council for Economic Education set for K-12 financial literacy.

UK · MaPS & Young Money

The emotional side of money, not just the maths

The UK's own national financial-wellbeing strategy calls out something most programmes skip entirely: managing the pressure, emotions and relationships around money. Pluto's dedicated Money & Relationships module goes further into this than that framework asks for.

India · NCFE National Strategy

The same rigour, proven at scale

Pluto isn't built fresh for each market. The same curriculum already meets India's National Strategy for Financial Education, backed by RBI, SEBI, IRDAI and PFRDA — one course, held to the strictest bar in any market it runs in.

Built to the same bar, wherever your child's curriculum comes from — a complete, standalone financial education your school's own standards already point toward. Not homework. Not theory. The real thing, before the real world teaches it the hard way.

AI mentor

Sparky — a mentor who's always one question away

  • Ask anything, anytime. Stuck on why compound beats simple interest? Sparky answers in plain language, grounded in what's already been taught.
  • Lesson-aware. Sparky knows exactly which lesson a learner is on — no generic finance trivia.
  • Built for guided use. A daily question quota keeps it a teaching tool, not a homework shortcut.
  • Safe by design. Sparky explains — it never gives personalised investment advice.
Hey! I'm Sparky 👋 Ask me anything about today's lesson.
Why is compound interest better than simple interest?
Simple interest only pays on your original amount. Compound interest pays on your original amount plus everything it's already earned — your money starts earning on its own earnings.
Learn by doing

The Vault — a real practice bank, not a quiz

  • Real balances, real growth. A live Checking + Savings account accrues interest lesson by lesson — the same rate that's taught, never a contradiction.
  • Instruments unlock as they're taught. Fixed Deposits, Stocks and Property become available exactly when the relevant lesson completes.
  • A real goal, not a number. Liftoff learners pick something from a Dream List, watch a Savings Jar fill, then actually "buy" it.
  • A Retirement SIP for the ones about to earn. Escape Velocity learners open a 15-lesson lock-in SIP and watch it compound.

Checking + Savings

Real interest, every learner, every tier.

Fixed Deposit

Locked-in, realistic growth rate.

Stocks & Property

Risk vs. return, seen firsthand.

Savings Jar

A real goal, from a Dream List.Liftoff

Retirement SIP

15-lesson lock-in, compounding.Escape Velocity

Credit Score

A 300–900 score from real decisions.Escape Velocity

Why it sticks

Every feature earns its place

Two-voice storytelling

Every lesson is a real dialogue between a mentor and a learner — taught through conversation, not lecture.

Sparks, streaks & Surge

Answer correctly in a row and a Surge multiplier compounds points the same way the lessons teach money should.

Weekly leagues

Cohort leaderboards scoped to a learner's own age tier — a 13-year-old is never ranked against an 18-year-old.

Tamper-proof assessments

Every module ends in a randomised assessment from a 50+ question bank, scored server-side.

Shareable certificates

Every module — and the full tier curriculum — ends in a real, LinkedIn-shareable certificate.

Badges & ranks

Cluster badges, a lifetime rank ladder, and a capstone certificate after a comprehensive final exam.

Mobile + Web

One shared content and logic engine, shipped identically as a native app and a full web app.

Resume anywhere

Every lesson remembers the exact screen a learner was on — no lost progress, no starting over.

Credit Score meter

A 300–900 score that moves with real course decisions.Escape Velocity

Parent-paid, teen-owned

Parents pay once, directly — the learner owns their progress and certificates from day one.

Beyond earning and growing

Teaching teens to protect what they build

A full dedicated module — Protect What's Yours — plus safety threads woven through borrowing, banking, payments and next-gen currency. Literacy isn't complete if it only teaches growth and ignores risk.

For sharing offline

Download a brochure

Built for the conversation at home — print it, email it, or hand over a tablet.

For parents & families

The full curriculum, the Vault, Sparky, pricing and what a subscription includes — everything a parent needs before saying yes.

Download the parent brochure (PDF)

Bringing Pluto to a school?

Cohort licensing, classroom rollout, and the school brochure live on their own page, built for whoever's signing off on the rollout.

Visit the schools page
Ready when you are

A complete financial education, built for one generation.

Eighteen modules across three age-tiered flight plans. A real practice Vault. An AI mentor. Certificates that mean something.

Every teen account sits under a parent's own email login, with explicit parental consent captured for any child under 18 before lesson data is collected.
Pricing — coming soon →