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


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


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