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11 Best Business Simulation Games for Kids (Middle and High School)

Find the best business board games and online business simulation games for kids (middle school and high school).

Do you have a budding kidpreneur, or students eager to learn about business?

three high school students playing business games, text overlay "11 business simulation online games for middle school and high school students"

These 11 online and business board games will shape their understanding of some key business concepts in a really fun way.

Online Business Games for Kids (Middle School and High School)

Here you'll find free online business games for students in both middle school and high school.

Did I mention these business simulation games for students are pretty fun to play, too?

Psst: you'll definitely want to check out these 7 free business plan templates for kids, 14 entrepreneur books for kids, 5 business books for teens and 3 kid business plan examples.

1. Zapitalism

Age Range: Middle + High School
Game Objective: Become the richest business owner on the island, which is the first person to make it to 5,000,000 zables.

Zapitalism is a six-player game (any slots not taken by people are taken by computer players, so your child can play on their own). Your kid gets to choose a company to run after reading through its description.

This is a turn-based game, meaning each player must take a turn before the time advances by one week. You’re given 50,000 zables to start, and with this money, you need to turn a profit by purchasing items from a wholesaler to stock your shelves with.

You are in charge of setting the price to turn a profit, but watch out! If you become too greedy, then customers will not buy from you.

You can do other cool/not-so-cool money things like:

  • Take a loan out with interest up to your credit limit for your business to purchase better products as well.
  • Take a peek at the store shelves of competitors to see what they have. Each week the companies are ranked according to their net cash.
  • Compete for a building permit to enlarge your store size, thereby enlarging your shelf space.
  • Be audited if you fail to pay taxes every 10 weeks that pass.
  • Pay your employees.

Levels are from Tutorial all the way up to Master. I highly recommend going through the tutorial round first because it really helps with understanding how to play.

Bonus: here are some free worksheets to go along with this game!

2. Gazillionaire

Age Range: Middle + High School
Game Objective: Start a small company and bring it all the way to trade tycoon status.

This game is for up to 6 human players and 6 computer players (I really like how you can do a multi-player game with your kid's friends/students by just sending them an email invite to the game!).

Your child will be running their own trading company where they’ll need to buy low and sell high in order to prosper.

And, as with any business, there are start-up costs.

Right off the bat, your child will need to take a loan out (at 4% interest) to buy a ship — the ship they'll use to travel from planet to planet to buy cargo at low prices that they can then (hopefully) sell at a profit.

Another thing your child needs to decide on is whether or not to pay their insurance bill (which could come in handy when disaster strikes). This game also teaches about demand, and how you can't sell a product if no one wants to buy it.

FYI: kids can play 20 rounds of this for free, then you'll need to subscribe at $14.99/year.

Bonus: here are some free worksheets to go along with this game!

3. Marty Raygun’s Fistful of Dollars

Age Range: Middle + High School
Game Objective: Keep your monthly business cash flow in check, while making the firm as valuable as possible. Don’t go into bankruptcy, and make sure you always keep money in your business bank account.

Your child is taking over the firm Galactic Zappers. As the player, you need to make sure you keep enough cash on hand and order enough supplies to keep things moving.

You need to pay fixed-period costs to keep the factory running (things like rent and electricity). You can accept or reject orders from suppliers after reviewing their details. They can offer you cash, or credit of 30-60-90 day terms to purchase their raw materials, which you need to produce your products and get them to your customers.

You can also accept or reject customers based on their details.

There are some shady characters in there!

You also will need to decide if you’d accept cash, or credit on 30-60-90 day terms from customers (hint: you’ll need to have a firm grasp on your monthly cash flow in order to pay expenses. Valuable business lesson there!).

There are some handy-dandy buttons allowing you to collectively see your accounts receivables and your accounts payable at any time you’d like. That’s helpful in managing your monthly cash flow.

And each is connected to the “Bank”, so you can clearly see what your balance does throughout the game.

Again, it’s very helpful to have your child go through the “How to Play” video before diving in. Lots of terms to learn for this one!

Psst: here are more fun money activities for middle school students.

4. Cookie Tycoon

Suggested Age Range: Appropriate for all ages (this is what it says — I would say tween is a good age)
1 player

Your child gets to manage employees at their budding cookie bakery in this kid's business game.

Not only that, but they can get actual feedback from customers, and make decisions based on that feedback (or not make decisions, and watch their bakery fail).

After each business day, the player gets a rundown of the store's statistics: how much the overhead costs (such as cookie ingredients and staff wages cost), how many cookies are sold and at what price, and the overall profit/loss for the day.

As the days progress forward, the bakery chef and staff get more experience and your shop can earn more money. This means you'll get to decide on making upgrades to your store's appearance (that will, hopefully, earn you even more money!).

5. Business is Blooming

Suggested Age Range: Appropriate for all ages (this is what it says – I would say tween is a good age)
1 player

In this game, your kid takes control of a flower shop.

As the boss, it's up to them to select the right flowers to make the bouquet, per the order.

The quicker they can make bouquets, the more orders they get to go through, and ultimately the more money the business makes.

6. Refund Rush

Suggested Age Range: N/A
1 player

As customers come to the cash register, the player gets to take a peek at their financial profile (which includes things like financial goals, age, and tax refund amount).

You then decide how this person should split up their tax refund to meet their goals and needs. Then you give your advice to the customer.

At the end of the round, you get to see how your advice worked for each customer.

Psst: here's 7 free stock market games for students.

7. Farm Blitz

Suggested Age Range: Says adult, but I think it could be suitable for teens
1 player

A relative died, and the player has just inherited their farm. Unfortunately, to keep things going, you had to take out a loan.

You now need to make a profit so that you can pay back this debt (oh yeah, and save some for the future as well!). Also, it drives home the point of needing to prepare for unforeseen natural catastrophes.

Business Games for Kids

In this section, you'll find business board games for kids and teens.

1. CA$HFLOW for Kids

Suggested Age Range: 6+ years
2-6 players

bright purple Cashflow for Kids cover with cartoon rats

Are you a Rich Dad, Poor Dad fan? It's an eye-opening book from Robert Kiyosaki that breaks down what rich parents are teaching their kids that middle-class parents are not.

In a nutshell, it's all about putting as much of your money into assets as possible, while keeping your liabilities as low as you can.

Thankfully, Robert came out with a game for kids!

CASHFLOW for Kids teaches younger children the relationship between their balance sheet, and their income statement. It encourages side hustles, such as real estate businesses, that eventually will create more passive income than expenses.

Here's what you want: your assets + passive income to be greater than your liabilities + expenses.

In fact, that's how you win the game – the person whose passive income surpasses their expenses wins!

Each of the three types of cards – assets, liabilities, and sunshine cards – gives your child ample practice in making some great business decisions as well as personal finance decisions. And every player/child gets their own Financial Statement sheet (which includes their Balance Sheet and their Income Statement) to track throughout the game.

Psst: you'll want to also check out my lemonade stand worksheets, and review of the best money games for kids for more resources.

2. Ice Cream Empire

Suggested Age Range: 7+ years
Players: 2-4 players
Game Objective:
To be the first to build 8 different ice cream shops (thus, building your ice cream empire!).

hand draw adults on ice cream empire cover with ice truck

With changing ice cream inventory costs, varying ice cream demand (depending on the number of ice cream socials are planned), and a potential distribution network across the whole United States…this game really packs a punch in teaching some important business lessons.

I love how kids can learn about expanding a business, supply and demand, and things that may cause them to change, acquiring assets (like ice-cream stores) from competitors, dominating market spaces, hostile business take-overs, and all kinds of other business plays you can make in the real world.

Players are given $300 in money to start, plus an ice cream delivery truck. For each turn, a player can choose one of three actions:

  • Buy inventory
  • Sell inventory from their truck
  • Build a store

As players land on a spot, they'll also have to follow its instructions – which can have consequences for all players.

For example, players may need to/be given the choice to:

  • Buy 1 safe store from any competitor for $800
  • Pay $100 for each store in your largest chain
  • Change inventory price card
  • etc.

The first player to create their ice-cream empire by building 8 stores around the country, wins.

3. Mystic Market

Suggested Age Range: 10+ years
Players: 2-4 players
Game Objective:
The winner is the kid who has the most money, which means they earned the most profit from potions they built and sold.

Mystic Market cover with marketplace and dragon on it, on dark table
inside Mystic Market box with dark colored cards, potion bottles, and more

Here's a really cool game where kids are tasked with collecting various ingredients and then creating potions from them to sell on the market.

The only problem?

Well, just like in real life, market prices for ingredients change. Which means that overall profits can increase or decrease, depending on how much it costs for you to get your ingredients.

Which is why I think this is a great business simulation – kids have to think on their feet and swap out ingredients with less expensive ones as the market changes, in order to still come out ahead with profit.

4. Monopoly

Good ol' Monopoly has some great business lessons to teach your child (not to mention, basic personal finance lessons – be sure to grab your free Monopoly game supplement below that I created to make the game much more educational).

Here are two major business lessons from Monopoly:

  1. The Need to Diversify Income: Your kid will quickly learn (well, within 1-2 game rounds, anyway – and I guess Monopoly game rounds aren’t all that quick!) that they need to purchase more than one property in order to earn enough cash to keep themselves afloat.
  2. Juggling Business Investments with Current Cash Flow Needs: Once your kid gets the chance to purchase houses for their properties, they have to learn a very valuable skill – how to juggle investing in your business enough to increase your profits, while not decimating your cash flow (so that you end up, well, belly-up).

Pssst: Click the image below to get your free printable that will turn your next round of Monopoly play into a life skills money lesson for your kids.

Which business game for kids are you most excited to have your kids and students try out?

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Amanda L. Grossman is a writer and Certified Financial Education Instructor, a 2017 Plutus Foundation Grant Recipient, and founder of Money Prodigy. Her money work has been featured on Experian, GoBankingRates, PT Money,, Rockstar Finance, the Houston Chronicle, and Colonial Life. Amanda is the founder and CEO of Frugal Confessions, LLC. Read more here or on LinkedIn.