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

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

DESMOS ACTIVITIES

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