7 Free Stock Market Games for Students (Kids to Learn How to Invest)

Free stock market games for students and kids, stock market board games, and high school investment competitions to teach your child how to invest.

One of the biggest requests I get from parents and teachers is for free stock market games for students and kids.

Wellllllll…they don’t exactly start the conversation out like that – it’s more like they ask me “How do you explain the stock market to a child?”

And then the conversation turns to me talking about one of the best ways to explain the stock market to a kid: finding a free stock market simulator game lasting 6 to 10 weeks, and leading them through it.

Heck, even a few rounds on a good stock market board game will give your child and students exposure to the stock market.

This might sound scary to you – maybe you’re not too on the up-and-up with your OWN investments, and the idea of trying to teach it to impressionable kids leaves you a bit queasy.

That’s the beauty of these stock market simulation games. There are lessons, stock market worksheet PDFs, videos, and guidance along the way so that you can sort of learn alongside your child – it’s not all centered around the knowledge you have on the market (whew, right?).

That, and, your kids get to practice stock trading with fake money. Can’t beat that!

Psst: You'll want to give your kids/students an edge by making these investing books for kids and teens available to them. Also, here's an article all about investing for kids, and teaching kids about stocks.

Free Stock Market Games for Students and Kids

These free stock market games for students and kids are a great way to not only introduce many stock investment concepts but to go through the trial-and-error process (without risking any real money) so that they self-discover the lessons they’ll need to successfully invest in stocks one day.

1. The Stock Market Game

Ages: Elementary+

Students get to manage $100,000 in virtual money through The Stock Market Game, an educational investing game for kids supported by the Securities Industry and Financial Markets Association (SIFMA) Foundation.

They can compete as individuals or as teams of between 2 and 5 people. There is also a series of lessons provided for teachers and parents to help with teaching and guiding your child along the journey.

Bonus: You'll want to access the free Teacher's Support Center, which has a searchable library of curriculum resources, lesson plans, assessments, and correlations to national Common Core State Standards (CCSS).

2. How the Market Works

Ages: Middle School + High School

Here’s an awesome platform for either an individual student/kid or a group of students to do some fantasy stock trading. You get $100,000 in virtual cash to build a portfolio.

Something else that I like? You can create your own custom contest for either your classroom or with a group of students/kids.

And by custom, they mean you can create your own dates, commission structures, security types, and more. You get to set your own rules!

Bonus: They’ve also got an impressive collection of free investment lesson plans.

3. Fantasy Stock Exchange

Ages: Middle School and Up

Are you British? This stock market game is in pounds (which is why I asked). It’s got a cute interface that is geared towards younger kids and also starts at a lower cash amount – £100 – which also is better for a younger crowd.

Your child gets access to 10 shares with their £100 in PIGGYBANK®Cash and can track them on the “My Portfolio” page.

This stock market game also gives you the ability to compete against others by creating a game.

Another classroom stock market game? This person has a free Excel spreadsheet you can download to create your own off-line stock market game.

Psst: want your child to start buying stocks? Here are 7 stock apps for kids.

4. TD Virtual Stock Simulation

Ages: Not given

Find lots of resources here for both teachers and students to learn about the stock market and try their hand at making trades.

All for free!

You can trade real companies, and get real-time ranking updates against classmates as the game unfolds. Also, the platform is mobile-optimized.

5. Wall Street Survivor

Age: Not given.

This is a real-time stock and crypto simulator where students can practice trading stocks with the $100,000 in virtual cash (fake) you're given.

They also have a completely free course: Value Investing for Beginners.

6. Build Your Stax

Ages: Not given.

Your child is given the mission to grow their wealth as much as they can in 20 years.

Then, they go through various decision-making points throughout those 20 years in this game – both savings opportunities, investing opportunities, and major life transition costs (such as getting married).

Crashing stocks, a computer that plays against you using index funds, and many other characteristics of this stock market game make it memorable.

You can play this investing and savings game either in groups or individually.

Now, let’s move on to high school investment competitions.

7. TeenVestor Mock Trading Portfolio

Ages: Middle School+

You can create mock portfolios of stocks or of crypto, with real market prices pulled in.

For stock market investing games, you can either choose “The Dow-Only Competition” or “The TeenVestor Index Competition”.

The Dow-Only Competition:

• Students start with $2,000 in virtual cash
• They can invest in any of the 30 stocks from the Dow
• No short-selling is allowed

The TeenVestor Index Portfolio:

• Start with $10,000 in virtual cash
• Invest in up to 30 stocks
• No short-selling allowed

TeenVestor Crypto Competition:

• Students are given $20,000 in virtual cash
• Students can mock trade hundreds of different cryptocurrencies
• Students can buy fractional shares
• Students can short cryptocurrencies

High School Investment Competitions

Now we get into a really fun portion of this article – because not only can you take a group of kids or students through a stock market simulation…but you can also lead them through an investment competition (with prizes)!

High school investment competitions to keep your eye on:

1. KWHS Investment Competition

Ages: 9-12 Grade

This 10-week competition comes with an approved stock list (see, that’s helpful!), and your team of 4-7 students – bigger classes can be broken down into teams, and you can enter with a homeschool-led or investment-led team as well – gets to manage a virtual portfolio of $100,000. You’ll use Wharton’s Online Trading and Investment Simulator (OTIS).

Here’s the cool thing: the team with the highest portfolio value doesn’t necessarily win this stock market competition! Nope. They will select winners based on “team investment strategies and overall competition experience”.

No previous investment experience is necessary. Here’s a link to bonus learning resources anyone can check out for investment lesson plans.

2. The Capitol Hill Challenge

Ages: Middle school or High School

There’s a national, 14-week-long investment competition each year that uses The Stock Market Game (from above). It’s called The Capital Hill Challenge, and Members of Congress get matched with students, teachers, and schools from their district who are competing.

There’s no cost to participate, and it’s by invitation only (you can make a request). Up to 10 teams per school, and 3-5 kids per team. Each team begins with $100,000.

Winners get a trip to Washington D.C.!

Let’s move on to some cool stock market board games.

Stock Market Board Games

Perhaps you don’t want to get involved with an 8-week stock market simulation game, or a 10-week investment competition with your students.

Another option is to simulate the stock market for them in short bursts through stock market board games.

Investment board games for kids and investment games for students include:

1. Big Money

Age Range: 8+ years
Players: 2-5 players

I like how kids start off with an asset in this game, and how kid-friendly the investing opportunities are as they choose how to build their portfolio.

Like being able to invest in a grocery store or a candy factory.

Students are also thrown into situations as the game progresses, such as bubble bursts. The player with the most cash at the end wins.

2. Bulls & Bears: Master the Game of Investing & Trading

Age Range: 12+ years
Players: 2-6

This game takes stock market investing to a whole other level – think Monopoly, but with the goal of teaching investing.

There are two levels of play, easy and difficult, and there is a quick reference card each player gets for quick transaction calculations (price per share, total shares you want to trade, and dollar amount for the trade).

Each player gets an avatar (I love the variety of professions – to show teens that anyone can and should invest money). One player gets to be the broker and is in charge of managing play money and stock transactions.

Some really interesting + priceless lessons built into this game:

• How to Achieve Financial Goals through Investing Strategy: Teens will learn to buy shares when they are cheap and sell when they are high to gain more income, and to buy shares with dividend payments to grow passive income.
• You Can't Invest By Borrowing Money: Just a really good money lesson to learn.
• Difference Between a Bull Market and a Bear Market: This helps cement the lesson of trying to buy low and sell high (and the pain of doing the opposite).

I'll be adding to this list as I find additional free stock market games for students and other fun resources to make learning (and teaching) how to invest a fun process. And if you're looking for the real deal? Well, here are stock apps for under-18-year-olds to actually start investing (with built-in parental controls).