A story-driven, gamified curriculum that turns money — earning it, growing it, protecting it — into something a teenager wants to keep coming back to.
Not just personal finance. The core journey runs from the basics of earning and saving all the way through investing, borrowing, entrepreneurship, crypto, and protecting what you've built — a full financial education, not a single-topic app.
How money flows in, why saving early matters, simple vs. compound interest, and why idle cash quietly loses value to inflation.
Careers, salaries, payslips, and how tax actually works — demystified before it becomes a real-life surprise.
Needs vs. wants, budgeting that sticks, smart spending, and banking/payments basics.
EMIs, credit cards, loans — when debt is a tool and when it's a trap.
Fixed Deposits, real estate, stocks, mutual funds, derivatives, collectibles, and reading financial statements — the biggest module in the app.
From idea to income — how a real business actually makes money.
Entrepreneurship fundamentals — building something from zero.
Blockchain, DeFi, and NFTs — decoded without the hype or the jargon.
Splitting bills, lending to friends, and beating financial FOMO.
Emergency funds, insurance, online-fraud safety, and growing net worth — how to keep what you've built.
Pluto splits into three content tiers by age. Every tier shares the same ten core modules above — plus each tier gets its own additional modules, built specifically for what's actually relevant at that age, not a harder or easier version of the same lesson.
Round numbers, clean ₹ amounts, and four extra modules built around the money moments that actually happen at this age — allowance, a first bank account, a first UPI transaction.
The baseline curriculum, at full real-world complexity — the ten core modules with no simplification, plus four more built for exactly this age: goal-setting, digital payments, and two modules found nowhere else in the app.
Same rigor as Orbit, plus four modules aimed at the real decisions this age is about to face — a first freelance gig, a first credit card, a first retirement account, a first tax return.
Real interest, every learner, every tier.
Locked-in, realistic growth rate.
Risk vs. return, seen firsthand.
A real goal, from a Dream List.Liftoff only
15-lesson lock-in, compounding.Escape Velocity only
A 300–900 score, built from real decisions made across the course.Escape Velocity only
Consecutive correct answers compound.
Perfect run, real bonus Sparks.
Daily momentum, tracked and rewarded.
Cohort leaderboards, scoped by age tier.
Module clusters plus a lifetime rank ladder.
Final exam across the learner's whole tier.
Every lesson is a real dialogue between a mentor and a learner — concepts taught through conversation, not lecture.
Every module ends in a randomized assessment drawn from a 50+ question bank, scored server-side — impossible to game by memorizing answers.
Every module — and the full tier curriculum — ends in a real, LinkedIn-shareable certificate with a learner name and issue date.
One shared content and logic engine, built to ship identically as a native mobile app and a full web app.
Every lesson remembers exactly which screen a learner was on — no lost progress, no starting over.
Liftoff, Orbit, and Escape Velocity each get their own module set and quest map — automatically matched to the learner's age, not a single difficulty slider.
Set a savings goal linked to something real from an illustrated wishlist — watch it fill, then actually "buy" it with saved Sparks.Liftoff
A 300–900 score that moves with real in-course decisions — utilization, on-time payments, loan comparisons — building credit-smart habits before a real credit history exists.Escape Velocity
Parents pay once — directly, no subscriptions to manage — and the learner owns their progress, Sparks, and certificates from day one.
A full dedicated module — "Protect What's Yours" — plus safety threads woven through borrowing, banking, digital payments, and crypto, because financial literacy isn't complete if it only teaches growth and ignores risk.
Eighteen modules across three age-tiered curricula. A real practice Vault. An AI mentor. Certificates that mean something. All built to grow with a teen from their first ₹ of pocket money to their first real investment decision.