Master the math that runs your business and financial life.
A rigorous, 12-unit course for young adults to beginning entrepreneurs, a business math course that takes you from reading your first pay stub to building a full financial plan using real numbers, real scenarios, and zero financial jargon.

The moment a student realizes they can actually read their own pay stub or run the numbers on a loan — that's when this course stops feeling like school and starts feeling like power.— Moonie's Creative Studios

What you'll learn
What you'll be able to do
- Calculate gross and net pay from any pay stub, including overtime, commissions, and deductions like FICA and federal withholding
- File a simplified tax return, interpret a W-2 and 1099, and understand how progressive tax brackets affect take-home pay
- Balance a checkbook, reconcile a bank statement, and confidently manage checking, savings, and electronic banking tools
- Build a realistic personal budget using the 50/30/20 framework and adjust it for irregular income or emergency expenses
- Compare simple vs. compound interest, evaluate loan and credit card costs, and calculate total payoff time and amortization schedules
- Analyze major financial decisions — car purchases, mortgages, insurance plans, and investment vehicles — using math to choose the best option
How it works
Get the money skills you need to start and run your own business with confidence.
Real Money. Real Math. Real-World Ready.
We learn your level
A quick placement check tailors your starting point so you're never bored or lost.
Lessons adapt as you go
Each lesson is written for your pace and your goal, adjusting as your skills grow.
Your AI coach keeps you moving
Checkpoints, feedback, and gentle nudges turn progress into a real result.
The curriculum
What's inside your school
12 modules · 59 lessons

Foundations & Income
Establishes math prerequisites and teaches students how income is earned, calculated, and reported across multiple pay structures.
- 1.1Course Intro, Syllabus & Math Pre-AssessmentIncluded
- 1.2Types of IncomeIncluded
- 1.3Calculating Gross PayIncluded
- 1.4Deductions — Withholding, FICA & BenefitsIncluded
- 1.5Net Pay & Reading a Pay StubIncluded
Taxes
Guides students through the U.S. tax system from withholding documents to filing a simplified personal return.
- 2.1Understanding the Tax SystemIncluded
- 2.2Completing a Simplified W-4Included
- 2.3Filing Status & Standard DeductionIncluded
- 2.4Completing a Simplified 1040Included
- 2.5Quiz — Income & TaxesIncluded
Banking Services
Builds confident day-to-day banking skills covering accounts, checks, statements, and modern electronic tools.
- 3.1Checking vs. Savings Accounts & FeesIncluded
- 3.2Writing Checks & Maintaining a Check RegisterIncluded
- 3.3Reconciling a Bank StatementIncluded
- 3.4Electronic Banking, Debit Cards & Online Bill PayIncluded
- 3.5Project — Checkbook Balance & Bank SimulationIncluded
Budgeting
Teaches students to build, analyze, and adapt personal budgets using income data and percentage-based frameworks.
- 4.1Needs vs. Wants & Fixed vs. Variable ExpensesIncluded
- 4.2Building a Personal BudgetIncluded
- 4.3Percentage-Based Budgeting — The 50/30/20 RuleIncluded
- 4.4Adjusting Budgets for Irregular Income & EmergenciesIncluded
- 4.5Unit Test — Income, Taxes, Banking & BudgetingIncluded
Simple & Compound Interest
Develops fluency with interest formulas and the concept of time value of money applied to savings and debt.
- 5.1Simple Interest FormulaIncluded
- 5.2Compound Interest Formula & Compounding FrequencyIncluded
- 5.3Comparing Simple vs. Compound Interest ScenariosIncluded
- 5.4Rule of 72 & Time Value of MoneyIncluded
- 5.5Practice Problems & Spreadsheet Interest Calculator ActivityIncluded
Credit & Debt
Explains how credit works, how scores are built, and the true math behind credit cards and common loan types.
- 6.1How Credit Works — Scores & ReportsIncluded
- 6.2Credit Cards — APR, Minimum Payments & Grace PeriodsIncluded
- 6.3Calculating Credit Card Interest & Payoff TimeIncluded
- 6.4Loans — Types, Terms & Amortization BasicsIncluded
- 6.5Quiz — Interest & CreditIncluded
Major Purchases & Loans
Applies loan math to the largest financial decisions students will face — vehicles, rentals, and home ownership.
- 7.1Buying a Car — Loan Calculations & Total Cost of OwnershipIncluded
- 7.2Renting vs. Buying a HomeIncluded
- 7.3Mortgage Basics — PITIIncluded
- 7.4Amortization Schedules — Spreadsheet ActivityIncluded
- 7.5Project — Big Purchase Comparison AnalysisIncluded
Insurance & Risk Management
Teaches students to evaluate insurance products mathematically and weigh the cost of risk against protection.
- 8.1Purpose of Insurance — Premiums, Deductibles & CopaysIncluded
- 8.2Auto & Health Insurance Cost CalculationsIncluded
- 8.3Life & Property Insurance BasicsIncluded
- 8.4Risk vs. Cost AnalysisIncluded
- 8.5Unit Test — Interest, Credit, Loans & InsuranceIncluded
Investing & Saving for the Future
Introduces students to investment vehicles, retirement accounts, and the long-term math of wealth building.
- 9.1Why Save & Invest — Inflation & Purchasing PowerIncluded
- 9.2Savings Accounts, CDs & BondsIncluded
- 9.3Stocks & Mutual Funds — Risk & ReturnIncluded
- 9.4Retirement Accounts — 401(k), IRA & Employer MatchIncluded
- 9.5Investment Growth Project — Future Value ScenariosIncluded
Business Pricing & Inventory
Shifts to business operations math, teaching students how companies price products and manage inventory value.
- 10.1Markup & Markdown — Cost, Selling Price & PercentIncluded
- 10.2Profit, Loss & Break-Even AnalysisIncluded
- 10.3Inventory Valuation — FIFO, LIFO & Weighted AverageIncluded
- 10.4Shrinkage, Turnover & Inventory RatiosIncluded
Payroll & Business Financial Statements
Covers employer-side payroll math and teaches students to read and calculate core business financial statements.
- 11.1Employer Payroll — Gross Pay, Employer Taxes & Total Labor CostIncluded
- 11.2Payroll Records & TimesheetsIncluded
- 11.3Income Statements — Revenue, Expenses & Net IncomeIncluded
- 11.4Balance Sheets — Assets, Liabilities & EquityIncluded
- 11.5Quiz — Business Operations MathIncluded
Capstone — Financial Literacy in Practice
Integrates all course skills into a realistic capstone project and closes with a comprehensive final assessment.
- 12.1Review — Personal Finance Math (Units 1–9)Included
- 12.2Review — Business Operations Math (Units 10–11)Included
- 12.3Capstone Project — Personal & Business Financial PlanIncluded
- 12.4Capstone PresentationsIncluded
- 12.5Final Exam — Comprehensive Business Math AssessmentIncluded
Who it's for
Is this you?
First-job freshmen
Just landed their first part-time job and wants to actually understand the paycheck — deductions, FICA, and all.
Homeschool achievers
Needs a structured, credit-worthy financial math course with built-in assessments their program will recognize.
College-bound seniors
Heading to college and wants to arrive knowing how to budget, manage credit, and avoid the debt traps that catch so many first-year students.
Future entrepreneurs
Dreams of running a business and wants to understand pricing, break-even analysis, payroll, and financial statements before they start.
Accelerated learners
Already ahead of grade level and wants a rigorous course with spreadsheet activities, amortization schedules, and real financial modeling.
Supportive parents
A parent who wants their teenager to graduate financially literate and is looking for a course that takes that goal seriously.
Questions
Frequently asked
Your teacher
A note from your teacher
Moonie's Creative Studios
If you're a high school student — or the parent of one — you already know the uncomfortable truth: school teaches you to factor polynomials and analyze sonnets, but almost nothing about how to read a pay stub, file taxes, or figure out whether that car loan is actually a good deal. That gap is real, and it has real consequences. Business Math Academy exists to close it.
I built this course because financial math isn't just "useful someday" — it's useful the moment you get your first job, open your first bank account, or sign your first lease. The math isn't hard. What's hard is knowing which math applies, where the numbers come from, and what they mean for your life. That's what every single lesson in this course is designed to teach.
Here's what you're actually going to do over these twelve weeks: you'll calculate your own gross and net pay, walk through a simplified tax return, reconcile a bank statement, build a realistic personal budget, and run the numbers on compound interest scenarios that will permanently change how you think about saving. Then you'll move into the decisions that define financial life — comparing loan costs on a car purchase, understanding what a mortgage actually costs over time, evaluating insurance trade-offs, and mapping out investment growth into retirement. In the business units, you'll see the math from the other side of the counter — pricing, payroll, profit and loss, and financial statements. The capstone project pulls all of it together into a real financial plan that you built.
I want to be honest with you: this course asks you to work. There are quizzes, unit tests, projects, spreadsheet activities, and a final exam. It's credit-level because it's designed to be. But every single assessment is grounded in something real — a scenario you could actually face, a decision you'll actually have to make. I've written every lesson in plain English because jargon is just a way of making simple ideas feel complicated. The ideas here aren't complicated. They just require someone to sit down and actually teach them. That's what I'm here to do.
If you're ready to finally understand how money works — not in a vague, motivational way, but in a "I can do this math right now" way — you're in the right place. Welcome to Business Math Academy. Let's get to work.
— Moonie's Creative Studios
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- 12 modules, 59 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
- Learn on any device, at your pace
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