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

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

DESMOS ACTIVITIES

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