This innovative study explores the significance of financial literacy for kids between the ages of three and ten, as well as the critical role that educational toys may play in supporting that development. The study emphasizes the value of early financial literacy, its possible long-term benefits, and the efficiency of educational toys in promoting financial knowledge and decision-making among young learners through a thorough literature review and market analysis of educational toys. The researchers hope to shed light on the crucial connection between financial literacy and educational toys through their research and study. Based on the research study, innovative exploration of designing suitable financial toy for young learners is done. Their feasibility and suitability of development for financial awareness in young kids of 3–10 are discussed. The design idea is modeled, and design intricacies are explained.