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

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

PERSONAL FINANCE RESOURCES

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

DESMOS ACTIVITIES

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