Ricco is a browser-based simulation where each student earns a salary, pays the bills, saves, invests and handles whatever the next month brings. One turn is one simulated month, and each month starts from the situation their last decisions created.
Try the free game through your teacher account. Purchase a teacher license when you're ready to bring your classes in.
Five bills come due every month, each set to a spending level from Bare Minimum to Premium Lifestyle. Cutting back frees up cash but lowers health and happiness; spending more raises them.
Car trouble, a medical bill or a home repair can arrive in any month and must be paid from cash, savings or by selling investments. An emergency buffer lets students cover these costs without disrupting the rest of their plan.
Surplus can go into an interest-earning savings account, bonds that lock money away for 1, 5 or 10 years, or an index fund that pays dividends and moves through simulated bull and bear markets.
Health and happiness sit alongside cash and net worth. Offers such as a vacation or concert tickets cost money and raise both; turning them down lowers them. If either stays critically low for too long, the run ends.
Students should be comfortable reading short scenarios and working with money amounts and basic percentages. Teachers can introduce concepts such as interest, dividends and net worth as they arise, and adjust the discussion to their students' experience.
Try the free game to see how it fits your learners and teaching goals.
Sign up as a teacher, or turn your existing Ricco account into one. Try the game from your teacher dashboard.
One 12-month license, bought from your dashboard when you're ready for students.
Name each class and share its invitation link. Students join with a Ricco account and get full access through you.
See who has joined, who has started, and how far each student has progressed.
See who has joined, who has started playing, and each student's current profession, game month, net worth and last activity. Use their progress as a starting point for conversations about the decisions behind the numbers.
Each student picks a profession, runs their own financial life and adapts as circumstances change. Progress saves automatically, so a run continues across sessions or between lessons.
Explore how keeping money available affects the ability to handle unexpected expenses, alongside the opportunity for investment growth.
Explore how lifestyle choices affect the monthly surplus, health, happiness and progress toward financial goals.
Explore the tradeoff between using cash for education now and benefiting from higher earnings over the months that follow.
Give students a financial question to explore, then revisit it as their simulated lives develop. What worked? What surprised them? What made them change their plan? Different careers, life events and market conditions give the class plenty to compare and discuss.
One payment for 12 months
Checkout is available from your teacher dashboard.
Secondary-school and high-school students, university students and adult learners. Students should be comfortable reading short scenarios and working with money amounts and basic percentages. Try the free game to see how it fits your learners.
A modern web browser on a laptop, tablet or phone, an internet connection, and a Ricco account created with an email address and password. Nothing to install. Our privacy policy covers account and parental-consent requirements.
Yes. Teacher accounts are free, and you can try the free game from your teacher dashboard. Classroom access, including full game access for your students, comes with the paid teacher license.
Share your class invitation link. Students open it, sign in or create a Ricco account, and join. While your license is active they have full game access through your class, with no separate purchase. A student can be in one class at a time.
Students can return to the same simulation across lessons or continue independently between sessions. Each turn advances one simulated month, and progress saves automatically. You choose when to pause for discussion and which financial decisions to explore together.
Each class shows its student count and invitation link. Inside a class you see who has joined, who has started playing, and each student's profession, game month, net worth and last activity. You can copy the invitation link, edit the class, and remove students.
Your classes, invitation links and rosters stay in place. Students keep their saved games but return to the free game, and the invitation link stops accepting new students until you renew. Renewing early adds 12 months to the time you have left; renewing after expiry starts 12 months from the day you pay.
Something else? Contact us and we'll answer directly.
Try the free game first. When it fits your lessons, one license opens it to every class you teach.