Financial Algebra Course

DESCRIPTION

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):
9-12
Standards Alignment:
National Standards for Personal Financial Literacy, Common Core Mathematics
Format(s):
Google Drive, Desmos Activities
Assessments:
1 exam per unit, course diagnostic, and course final exam
Cost:
FREE, and always will be

Course Materials

Syllabus, Assessments, and more

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

Resources

PERSONAL FINANCE RESOURCES

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

DESMOS ACTIVITIES

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