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NSW Curriculum
NSW Education Standards Authority

11–12Mathematics Standard 11–12 Syllabus

Record of changes
Implementation from 2026
Expand for detailed implementation advice

Content

Year 11

Managing money
Purchasing goods
  • Apply percentage increase and decrease to determine the cost of goods, and profit and loss

  • Calculate the goods and service tax (GST) or value-added tax (VAT) when purchasing goods and services in Australia and internationally

  • Solve problems involving GST or VAT

  • Examine payment options involving buy now, pay later and analyse the costs associated with these schemes for purchasing goods

  • Calculate the cost of buying on terms that involve paying an initial deposit and making regular repayments

  • Compare the total cost of using different methods of purchasing goods and justify which method of purchasing is best suited to a given context

  • Calculate the cost of purchasing a vehicle by considering the purchase price or loan repayments, registration, compulsory and non-compulsory third-party insurance, comprehensive insurance and stamp duty at current rates

Budgeting
  • Examine the ongoing costs of a vehicle

  • Use a spreadsheet to model the costs of purchasing, running and maintaining a vehicle

  • Calculate household costs including electricity, water and gas usage from household bills

  • Prepare a personal budget for a given income, considering fixed and discretionary spending

  • Use a spreadsheet to model personal and household budgets

  • Examine budgeting, saving, establishing an emergency fund with 3 to 6 months of living expenses, and monitoring spending as strategies designed to minimise financial problems

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