Ontario’s Grade 10 Financial Literacy Graduation Requirement: What Changed in 2026
A clear guide for parents, students and educators — plus a practical way to turn financial-literacy concepts into decisions students can actually practise.
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The Ontario requirement in plain language
Ontario changed the graduation rules beginning in the 2026–2027 school year. Students who entered Grade 9 in 2025–2026 or later generally must complete a Financial Literacy Graduation Requirement to earn the Ontario Secondary School Diploma (OSSD). The requirement is completed through compulsory Grade 10 Career Studies.
The province states that the requirement consists of learning modules and assessment questions developed by TVO. It assesses core financial-literacy concepts from Grades 1–9 and complements the Grade 10 Career Studies course.
What students need to know
- Pass mark: at least 70%.
- Attempts: two attempts during the Grade 10 Career Studies course.
- Course weighting: 5% of the final Career Studies mark.
- Transcript: completion is recorded on the Ontario Student Transcript.
- Exceptions: Ontario policy sets specific exemptions and transition rules, including for some students who took Career Studies earlier, certain locally developed Grade 9 Math pathways before the transition date, and some students entering Ontario schools in Grades 11 or 12.
What the requirement covers
Ontario’s public financial-literacy resources emphasize practical topics such as budgeting, loans and credit, bank accounts, credit cards, saving, investing, long-term financial goals and protection from financial fraud. Teenagers encounter these topics quickly through work, post-secondary education, mobile banking, credit offers and independent living.
Where Life Capital fits
Life Capital is a facilitated financial-literacy simulation. Students make financial and life decisions, track consequences and discuss the reasoning behind their choices. A session can be used by a school, youth organization or family as practice around real financial decision-making.
Ontario’s graduation requirement is completed through the official TVO modules and assessment. Life Capital is experiential practice before or alongside that classroom learning.
Official Ontario sources
- Ontario: Financial literacy education in schools
- Ontario Schools: diploma and certificate requirements
- Ontario: Growing Success — assessment and reporting
For schools and educators
Life Capital offers one-class workshops, facilitated multi-table sessions, recurring clubs and tournament formats. The right format depends on class size, schedule and the learning objective.
See the Ontario school program options →Workshops in Ottawa →
Questions people ask before booking
What is Ontario’s Financial Literacy Graduation Requirement?
Starting in the 2026–2027 school year, eligible Ontario students complete a financial literacy requirement through compulsory Grade 10 Career Studies using TVO-developed modules and assessment questions.
Who has to complete the requirement?
It applies to students who entered Grade 9 in the 2025–2026 school year or later, subject to the exceptions set out by Ontario policy.
What mark does a student need?
Students must achieve at least 70% on the financial literacy modules, with up to two attempts during the Grade 10 Career Studies course. The requirement counts for 5% of the final Career Studies grade.
How much is the requirement worth in Career Studies?
The result counts for 5% of the student’s final Grade 10 Career Studies mark.
Does Life Capital replace the Ontario or TVO requirement?
No. Life Capital is an independent experiential financial-literacy program. It can support practice and discussion around personal-finance concepts, but the official provincial modules and assessment remain separate.