Compound interest: watching ₱10,000 grow
Compound interest: paglago ng ₱10,000
A year-by-year table of a single deposit shows why compound growth starts slow and then accelerates, and how to read nominal versus effective rates.
Totoong-buhay na gamit
Mathematics as learners meet it outside school: Pag-IBIG loans, remittances, the palengke, the rice field, PAGASA weather, payslips and jeepney fares. Each context has a small dataset, a worked scenario, discussion questions and 52 problems in all with step-by-step solutions.
Figures are representative 2026 values for classroom use. Always check current official rates before using them for real decisions.
Number and Algebra
Insurance and contributions: PhilHealth, SSS, Pag-IBIG
Insurance at kontribusyon: PhilHealth, SSS, Pag-IBIG
Read a payslip's mandatory deductions as percentages with caps, then see how insurers use probability and expected value to set premiums.
Jeepney fares: a piecewise function you ride every day
Pamasahe sa jeep: piecewise function na sinasakyan araw-araw
The fare matrix is a piecewise function; fuel, boundary and passenger counts turn it into a daily break-even problem for the driver.
Loans: Pag-IBIG, motorcycle financing and 5-6
Mga pautang: Pag-IBIG, hulugan ng motor at 5-6
Compare how a housing loan, a motorcycle instalment plan and informal '5-6' lending actually charge interest, and what a borrower really pays.
Savings: bank account, time deposit or MP2?
Pag-iipon: bangko, time deposit o MP2?
Where should a first salary go? Compare a passbook account, a time deposit, a digital bank and the Pag-IBIG MP2 program using interest and tax.
Wages and payroll: from daily rate to net pay
Sahod at payroll: mula arawang sahod hanggang net pay
Follow a minimum-wage earner's payslip: daily rate, overtime, commission and piecework, then mandatory deductions and income tax brackets.
Measurement and Geometry
Farm data: palay yield, inputs and break-even
Datos sa bukid: ani ng palay, gastos at break-even
Hectares, tonnes and pesos: convert units, compare provincial yields and find the farmgate price at which a rice farmer stops losing money.
Remittances and exchange rates
Padala at palitan ng pera
OFW remittances turn dollars, riyals and yen into pesos; practise currency conversion, hidden fees and percentage change in rates.
Data and Probability
Palengke prices: tracking the cost of ulam
Presyo sa palengke: pagsubaybay sa halaga ng ulam
Use a week of price monitoring from the public market to practise percentage change, averages and choosing the right measure of centre.
Weather data: PAGASA rainfall and temperature
Datos ng panahon: ulan at temperatura mula PAGASA
A year of monthly rainfall shows the wet and dry seasons; use it for temperature conversion, averages, range and spread.