Most people meet tax for the first time on their first payslip, and it comes as a shock. It doesn’t have to. Fifteen minutes with a jar turns an abstract word into something a child can hold, argue about and understand.
Ten coins, counters or buttons for each player, a jar labelled “Shared”, and some scrap paper. Real coins make it feel more serious, but anything countable works.
How it works
- Pay a wage. Give your child ten counters for an imaginary job well done. Let them start planning how to spend them.
- Before they spend a thing, two go in the jar. Expect outrage. Let it land for a moment — it’s the most honest reaction to tax there is.
- Ask what everyone uses but nobody buys alone. Roads, schools, parks, libraries, bin collections, hospitals, street lights. Write the list together.
- Decide what the jar pays for. Draw two or three shared things on paper and give each a counter price. Vote on what the jar buys this round.
- Swap roles. Now they’re in charge of the jar and there isn’t enough for everything on the list. Something gets cut, or somebody pays in more. Which?
- Leave the big question open. Should everyone put in two counters, or should people who earn more put in more? People genuinely disagree about this — it’s a large part of what elections are about. Hear their view without giving the answer.
Tax isn’t money disappearing. It’s money everyone pays into a shared pot, to buy things far too big for any one family to buy alone.
What usually happens
The indignation at step two turns into real interest by step four. The role swap is where it clicks: suddenly they’re the one explaining why the jar needs filling.
Older children often get properly stuck into the fairness question. That’s a good sign. There’s no single right answer to teach, only good reasons to weigh.
Make it easier
Stop after step four. The jar and the list of shared things are enough to make the idea stick.
Make it harder
Give two players different wages — ten counters and twenty. Try everyone paying two, then everyone paying a fifth. Compare what’s left and talk about which feels fairer, and why.
What tax is, who pays it and what it buys is lesson 5 of the ten-lesson Smartmonies programme. See the ten lessons →

