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NSW Curriculum
NSW Education Standards Authority

11–12Mathematics Standard 11–12 Syllabus (2024)

Implementation from 2026
Expand for detailed implementation advice

Content

Year 12 – Standard 2

Investment and loans
Investment
  • Calculate simple interest for different rates and time periods using the formula I=Prn where I = simple interest, P = principal, r = interest rate per time period and n = number of time periods
  • Solve problems involving simple interest in a variety of contexts

  • Compare simple interest Loading  for different interest rates and time periods, with and without using digital tools

  • Calculate the future value, present value or interest rate of a compound interest investment using the formula FV=PV1+rn where FV = future value of the investment, PV = present value of the investment, r = interest rate per time period and n = number of time periods
  • Solve problems involving compound interest in a variety of contexts, including Loading  and Loading 

  • Examine the effect of varying the interest rate, the term or the compounding period on the future value of an investment, with and without using digital tools

  • Compare the growth of simple interest and compound interest investments numerically and graphically, with and without using digital tools

  • Recognise that simple interest graphs are Loading  and compound interest graphs are exponential

  • Use a spreadsheet to numerically and graphically model investments using both simple and compound interest

  • Interpret and analyse tables and graphs about the value of Loading 

  • Graph and interpret the value of a share over time, with and without using digital tools

  • Calculate the Loading  paid and the Loading  on shares (excluding franked dividends)

  • Solve problems involving calculation of Loading  Loading  and total costs of purchasing shares

  • Compare and contrast savings accounts, Loading , shares and buying property as investment strategies

Depreciation
  • Apply the straight-line depreciation method to calculate the depreciation of an asset using the formula S=V0-Dn where S = salvage value, V0 = initial value of the asset, D = depreciation amount per time period and n = number of time periods
  • Apply the declining balance method to calculate the depreciation of an asset using the formula S=V01-rn where S = salvage value, V0 = initial value of the asset, r = depreciation rate per time period and n = number of time periods
  • Compare straight-line depreciation and Loading  both numerically and graphically, with and without using digital tools

  • Use a spreadsheet to numerically and graphically model depreciation using the straight-line and declining balance methods

Loans
  • Compare and analyse the costs associated with Loading , short term and long term Loading 

  • Model a Loading  as an application of compound interest with periodic Loading  in tabular form for up to four time periods, with and without using digital tools

  • Use a spreadsheet to model and solve problems involving a reducing balance loan in a variety of contexts

  • Examine the effect of changing the repayment frequency, additional repayments or a Loading  on the term and cost of a loan using a graph or by calculation

  • Solve problems involving reducing balance loans including calculating the total amount paid, monthly repayments, amount still owing and the time taken to repay the loan

Credit cards
  • Explain how Loading  are an example of a reducing balance loan

  • Compare credit card interest rates with interest rates for other loan types

  • Identify the various fees and charges associated with credit card usage, and understand the meaning of an Loading 

  • Interpret a credit card statement, examining the implications of only making the Loading 

  • Calculate the compound interest charged on a purchase, Loading  or outstanding Loading  for a given number of days, with and without using digital tools

  • Compare credit options to best manage finances to meet short-term, medium-term and long-term goals, such as credit cards and personal loans

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