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

What percent of Americans with credit card debt have carried a balance for over 1 year? PLAY: It Costs HOW Much? MOVE: Let's Make a Mutual Fund Do consumers send more money on Venmo or spend more money on Amazon? What's the average credit score needed to rent an apartment? PLAY: Roll with the Market RESEARCH: Professional Certifications CALCULATE: Debt Avalanche v. Debt Snowball FINE PRINT: Schumer Box MOVE: Your Tax Dollar in Action PLAY: The Bean Game PLAY: Budget Frenzy! When the Mean is Nice CALCULATE: Return on Your College Investment CALCULATE: The Cost of Auto Loans CREATE: Personalized Productive Gap Year Plan Which savings strategy is most effective? PLAY: Organize Budget Expenses If you invested $1,000 in Netflix stock 10 years ago, what would it be worth now? CALCULATE: How Much House Can You Afford? MOVE: What Determines Your Insurance Premium? CALCULATE: The Math Behind Your Federal Taxes COMPARE: Which Repayment Option is Best? ANALYZE: Dollar Cost Averaging MOVE: Types of Employment INTERACTIVE: Bummer! MOVE: Up and Down with Credit Scores How much more likely is a business to launch if the founder creates a business plan? How much does a texting while driving ticket increase auto insurance premiums? COMPARE: Types of Savings Accounts PLAY: Types of Car Insurance INTERACTIVE: Living Paycheck to Paycheck INTERACTIVE: Invest with STAX! RESEARCH: Credit Protections What is the average credit card debt held by Gen Z? ANALYZE: Household Debt and Credit Report ANALYZE: A FAFSA Submission Summary What are the top 3 types of products/services Gen Z is most likely to splurge on? Over a recent 20 year period, what percent of pros investing in large companies "beat the market?" MOVE: Inflation Over Time What percent of students receive scholarships or grants for college? What percent of new businesses are still operating after 10 years? INTERACTIVE: Online Bank Simulator PROJECT: Credit Protections - You Be the Teacher INTERACTIVE: Compounding Cat Insanity You Just Gotta Habit! ANALYZE: Inequalities in Investing FINE PRINT: Checking Account Statement FINE PRINT: Financial Aid Package What source of funding is used most often to start new businesses? MOVE: Credit Musical Chairs CALCULATE: Impact of Credit Score on Loans

DESMOS ACTIVITIES

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