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

DESMOS ACTIVITIES

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