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

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

DESMOS ACTIVITIES

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