NCEA Toolkit

Our learning and assessment materials for NCEA Levels 1 and 2 are now available, so now’s the perfect time to check it out and help your students level up their money skills.


The resources have been developed to ensure senior secondary students will be set up to make good future financial decisions. Just like our resources for years 9-10 (i.e. curriculum level 4 & 5), they are designed to incorporate into everyday lessons.

Explore our resources

All resources are aligned to the New Zealand Curriculum and are NZQA accredited. They are linked to the MOE financial capability progressions and provide learning materials and assessment tasks based on unit standards

What's included

There are four unit standards at NCEA Level 1, and four unit standards at NCEA Level 2. All learning is student-centred and supports individual learning plans based on their selected future tertiary education, workplace learning or industry of choice. The learning and assessment materials use real-life situations, where students will gain:

  • key competencies valued by employers
  • connections to the world of work through contextualised learning
  • the confidence and capability to transition from school into the wider world of future education, training, or employment.

For each unit standard the following resources are available for teacher and student use:

  • A teacher guide to the learning and assessment materials, including potential links to achievement standards
  • A student booklet with engaging and meaningful content and activities. The booklet also includes detailed explanations of what they must understand in order meet the standard(s) requirements.
  • A video to inspire students to engage in real life financial situations, closely linked to the unit standards learning materials
  • Assessment tasks that assess the student's learning against the unit standard and gives them the opportunity to gain credits towards the NCEA certificate qualification at either Achieved, Merit or Excellence
  • A completion certificate to celebrate becoming financially capable in that unit standard


Overview Financial Capability Unit Standards

NCEA Level 1

Module title: Ages and Stages

US 28087 version 3
Demonstrate understanding of the effect of life stages on personal income.

Credits: 3

Themes: Retirement, Investing, Saving, KiwiSaver

Module title: Credit and Debt

US 28088 version 2
Demonstrate understanding of credit and debt on personal finances.

Credits: 3

Themes: Debt

Module title: Goal Getters

US 28089 version 3
Demonstrate understanding of personal financial goal setting. 

Credits: 3

Themes: Goals, Saving, Managing my Money

Module Title: Future Focus

Unit Standard 28090 version 3
Demonstrate knowledge of personal saving and investment options for given scenario(s).

Credits: 4

Themes: Saving, Investing, KiwiSaver


NCEA Level 2

Module title: Riding Life's Waves

US 28092 version 3
Analyse the effect of significant life events at different stages on personal financial income.

Credits: 3

Themes: Retirement, Saving, KiwiSaver, Goals, Managing my Money, Insurance

Module title: Funding Study

US 28093 version 3
Describe financial responsibilities and consequences of tertiary study funding options.

Credits: 3

Themes: Debt, Investing, Goals

Module title: Investment Options 

US 28095 version 3
Analyse personal financial investment options.

Credits: 3

Themes: Saving, Investing, KiwiSaver

Module title: Keeping Ourselves Covered

Unit Standard 28096 version 3
Demonstrate understanding of insurance products for personal financial capability.

Credits: 3

Themes: Insurance


Equipping young people for their financial future, embedding good money habits early on.

Hāpaitia te ara tika, pūmau ai te rangatiratanga mo ngā uri whakatipu.

Medium Education

Written in English with resources aligned to the New Zealand Curriculum.

Medium Education

Written in te reo Māori with resources aligned to Te Marautanga o Te Aho Matua and Te Marautanga o Aotearoa.

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