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Free Year 12 Financial Mathematics Worksheets

1 free financial mathematics resources for Year 12: 1 study guide. Answers included.

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Simple and compound interest, depreciation, loans and annuities. In Year 12, Year 12 is the final year, assessed for the HSC, VCE, QCE, WACE, SACE or equivalent.

Students will practise: calculating the value of an asset under straight-line and declining-balance depreciation; finding the future value and present value of an annuity; calculating the regular repayment and total interest on a reducing-balance loan; using a recurrence relation to track a loan or investment balance period by period.

Study Guides

Clear explanations, examples and tips.

  • Study Guide

    Annuities, Loans and Depreciation

    An HSC/VCE-style study guide to the financial models met in senior maths: straight-line and declining-balance depreciation, the future and…

    Difficulty
    Level 3 · Challenge
    Time
    30 min

Common questions

What do Year 12 students learn about financial mathematics?

Simple and compound interest, depreciation, loans and annuities. At Year 12, our resources focus on: calculating the value of an asset under straight-line and declining-balance depreciation; finding the future value and present value of an annuity; calculating the regular repayment and total interest on a reducing-balance loan; using a recurrence relation to track a loan or investment balance period by period.

Where should we start?

Read the study guide first, then start with the Level 1 or Level 2 worksheet. Finish with the topic test.

Are answers included?

Yes — every worksheet has an answer sheet. Maths answer sheets show the working; English tasks include model answers or success criteria.

How to use these resources

  1. Start with the Level 1 worksheet for the topic — if it's easy, move up a level.
  2. Use the answer sheet's working, not just the final answer, to check the method.
  3. Finish a topic with the topic test to see whether the skill is secure.
  4. Two or three short sessions a week beat one long one.

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