Financial Algebra Course


This free math curriculum is helping thousands of math teachers answer the age-old question, “When am I going to use math in real life?” with confidence.

The NGPF Financial Algebra Course engages students with real-world financial applications while maintaining deep mathematical rigor. Each of the course’s 10 units blends one core personal finance topic with one relevant math concept (e.g. Investing and Exponential Functions).

Grade Level(s):
Standards Alignment:
National Standards for Personal Financial Literacy, Common Core Mathematics
Google Drive, Desmos Activities
1 exam per unit, course diagnostic, and course final exam
FREE, and always will be

Unit 2

Checking & Linear Equations

Unit 3

Saving & Systems of Equations

Unit 4

Budgeting & Systems of Inequalities

Unit 5

Intro to Investing & Exponential Functions

Unit 6

Investing Strategies & Exponential Functions

Unit 7

Types of Credit & Modeling Functions

Unit 8

Managing Credit & Fundamentals of Statistics

Unit 9

Paying For College & Statistical Analysis

Unit 10

Insurance & Probability

Activities & Keys


INTERACTIVE: Compounding Cat Insanity ANALYZE: Household Debt and Credit Report INTERACTIVE: Bummer! If you invested $1,000 in Netflix stock 10 years ago, what would it be worth now? COMPARE: Types of Savings Accounts PLAY: Budget Frenzy! What percent of Americans who have credit card debt won't be able to pay it off within a year? ANALYZE: A FAFSA Submission Summary How much more likely is a business to launch if the founder creates a business plan? Do consumers send more money on Venmo or spend more money on Amazon? MOVE: Up and Down with Credit Scores PLAY: Organize Budget Expenses PLAY: It Costs HOW Much? CREATE: Personalized Productive Gap Year Plan Over a recent 20 year period, what percent of pros investing in large companies "beat the market?" When the Mean is Kinda Nice READ: Retirement Basics PLAY: Types of Car Insurance COMPARE: Auto Loans PLAY: Roll with the Market What source of funding is used most often to start new businesses? FINE PRINT: Checking Account Statement What are the top 3 types of products/services Gen Z is most likely to splurge on? RESEARCH: Fair Credit Reporting Act INTERACTIVE: Online Bank Simulator INTERACTIVE: Invest with STAX! Gotta Habit INTERACTIVE: Living Paycheck to Paycheck MOVE: What Determines Your Insurance Premium? MOVE: Credit Musical Chairs MOVE: The Net Price of College MOVE: Your Tax Dollar in Action COMPARE: Which Repayment Option is Best? RESEARCH: Professional Certifications RESEARCH: Credit Protections MOVE: Types of Employment ANALYZE: Dollar Cost Averaging in Action What percent of new businesses are still operating after 10 years? MOVE: Let's Make a Mutual Fund What percent of students receive scholarships or grants for college? What do cardholders fear most when using a credit card? FINE PRINT: Financial Aid Package ANALYZE: Inequalities in Investing CALCULATE: Impact of Credit Score on Loans FINE PRINT: Schumer Box What's the average credit score needed to rent an apartment? CALCULATE: Debt Avalanche v. Debt Snowball CALCULATE: Return on Your College Investment Which savings strategy is most effective? How much does a texting while driving ticket increase auto insurance premiums? CALCULATE: Your Federal Taxes


DESMOS: College Sticker Price and ACT Scores DESMOS: Graphs of Piecewise Functions DESMOS: Piecewise Functions: FICA Tax Rates DESMOS: Credit Dot Plots DESMOS: Piecewise Functions: Calculating Effective Income Tax Rates DESMOS: Exploring Tax Rates by Income Level and Tax Type DESMOS: Recursive Formulas: Paying Down an Auto Loan DESMOS: Recursive Formulas: Paying Down Student Loans DESMOS: Investing and Exponential Change DESMOS: Piecewise Functions: Introducing Marginal and Effective Tax Rates DESMOS: Exponential Regression in Investing DESMOS: Comparing Funds Using Compound Annual Growth Rate DESMOS: Linear Equations in Standard Form DESMOS: Point Collector: Lines DESMOS: Exploring State and Local Tax Rates DESMOS: Writing Equations in Standard Form DESMOS: The Impact of Investing Fees on Exponential Growth DESMOS: Writing and Graphing a System of Linear Equations DESMOS: Marbleslides: Exploring Exponentials DESMOS: Card Sort: Sampling Methods DESMOS: Card Sort: Linear Equations in Standard Form DESMOS: Real World Linear Inequalities DESMOS: Create a Histogram DESMOS: Growth Factor and Investments DESMOS: Growth of Savings vs Investments DESMOS: Chance Experiments DESMOS: Systems of Two Linear Equations DESMOS: Linear Growth Patterns DESMOS: OLS Regression and College Costs DESMOS: Future Value of a Periodic Investment DESMOS: Exponential Growth in Circles DESMOS: Exponential vs Linear Patterns DESMOS: Writing Linear Equations and Checking DESMOS: Card Sort: Conditional Probability DESMOS: Comparing the Cost of Different Student Loans DESMOS: Complex Systems of Inequalities DESMOS: Histograms and Box Plots of Housing Costs DESMOS: Prize Wheel Puzzle DESMOS: The (Awesome) Coordinate Plane Activity DESMOS: Card Sort: Matching Recursive Sequences DESMOS: Graphing Systems of Equations with Savings Balances DESMOS: Linear Equations from Checking Word Problems DESMOS: Card Sort: Four Views of a Function DESMOS: Polygraph: Guess the Distribution DESMOS: Card Sort: Linear Systems DESMOS: Cart Sort: Graphing Linear Inequalities and Income DESMOS: Card Sort: Independent and Dependent Events