Ontario · Grade 11
Mathematics for Work and Everyday Life, Grade 11 (Workplace)
- MEL3E
Ontario’s Grade 11 math course, from Earning and Purchasing to Transportation and Travel.
- Units
- 3
- Lessons
- 8
- Skills
- 48
- Provincial exam
- None
- Official curriculum
- Ontario Ministry of Education
Unit by unit
Every skill in the course, numbered by unit.
Unit 1 · 18 skills
Earning and Purchasing
Earning
What makes up total earnings
I can identify what makes up total earnings in different jobs.
Skill 1.1
Different ways and schedules people get paid
I can describe different ways and schedules people get paid.
Skill 1.2
How pay methods and schedules affect spending decisions
I can describe how pay methods and schedules affect spending decisions.
Skill 1.3
Deciding between job offers with different pay methods
I can solve problems and decide between job offers with different pay methods.
Skill 1.4
Government and other payroll deductions
I can describe government and other payroll deductions.
Skill 1.5
Estimating and comparing how much payroll deductions take
I can estimate and compare what percent of earnings payroll deductions take.
Skill 1.6
Gross pay, net pay, and estimating take-home pay
I can describe the relationship between gross pay, net pay, and deductions, and estimate net pay.
Skill 1.7
Comparing purchasing power and living standards
I can compare purchasing power and living standards for different occupations.
Skill 1.8
Purchasing
Identifying purchasing incentives
I can identify different purchasing incentives.
Skill 1.9
Estimating a sale price before taxes
I can estimate a sale price before taxes.
Skill 1.10
Estimating sales tax
I can estimate sales tax using a chosen strategy.
Skill 1.11
Calculating discounts, sale prices, and after-tax costs
I can calculate exact discounts, sale prices, and after-tax costs using technology.
Skill 1.12
Identifying forms of taxation built into a price
I can identify forms of taxation built into the cost of an item.
Skill 1.13
Estimating the change from a payment
I can estimate the change from an amount offered to pay a charge.
Skill 1.14
Making correct change with currency
I can make the correct change from a payment using currency.
Skill 1.15
Comparing unit prices to find the best buy
I can compare unit prices to find the best buy.
Skill 1.16
Comparing the extra costs of different types of purchase transactions
I can describe and compare the extra costs that come with different types of purchases.
Skill 1.17
Making and justifying a purchase decision
I can make and justify a purchase decision using various criteria.
Skill 1.18
The official wording · 18 outcomes
- 1.1
- gather, interpret, and compare information about the components of total earnings
- 1.2
- gather, interpret, and describe information about different remuneration methods
- 1.3
- describe the effects of different remuneration methods and schedules on decisions related to personal spending habits
- 1.4
- solve problems, using technology (e.g., cal- culator, spreadsheet), and make decisions involving different remuneration methods and schedules
- 1.5
- gather, interpret, and describe information about government payroll deductions
- 1.6
- estimate and compare, using current secondary data (e.g., federal tax tables), the percent of total earnings deducted through government payroll deductions for various benchmarks
- 1.7
- describe the relationship between gross pay, net pay, and payroll deductions
- 1.8
- describe and compare the purchasing power and living standards associated with relevant occupations of interest
- 1.9
- identify and describe various incentives in making purchasing decisions
- 1.10
- estimate the sale price before taxes when making a purchase
- 1.11
- describe and compare a variety of strategies for estimating sales tax
- 1.12
- calculate discounts, sale prices, and after-tax costs, using technology
- 1.13
- identify forms of taxation built into the cost of an item or service
- 1.14
- estimate the change from an amount offered to pay a charge
- 1.15
- make the correct change from an amount offered to pay a charge, using currency manipulatives
- 1.16
- compare the unit prices of related items to help determine the best buy
- 1.17
- describe and compare, for different types of transactions, the extra costs that may be asso- ciated with making purchases
- 1.18
- make and justify a decision regarding the purchase of an item, using various criteria
Key ideas
Total earnings can include more than just a paycheque — salary, benefits, vacation pay, and profit-sharing can all be part of the package.
Stores use incentives like percent-off discounts, buy-one-get-one deals, loyalty rewards, coupons, and 0% financing to encourage purchases.
Comparing jobs fairly means looking at total earnings, not just the hourly wage or salary number.
Recognizing the incentive type is the first step to figuring out if it's actually a good deal.
People get paid in different ways: an hourly rate, an overtime rate, a project rate, commission, salary, or gratuities.
Watch out for
- Comparing only the base salary or hourly wage and ignoring benefits or vacation pay.
- Assuming every advertised incentive is automatically a good deal.
- Assuming every job includes the same benefits.
Every skill’s key ideas, worked examples and checks are in MapleMind.Practise this unit
Unit 2 · 15 skills
Saving, Investing, and Borrowing
Comparing Financial Services
Comparing savings alternatives and their costs
I can compare savings alternatives and their costs.
Skill 2.1
Comparing costs and incentives of credit and debit cards
I can compare the costs and incentives of credit and debit cards.
Skill 2.2
Reading and interpreting financial statements
I can read and interpret entries from a financial statement.
Skill 2.3
Saving and Investing
How principal, rate, and time affect simple interest
I can investigate how principal, rate, and time affect simple interest, and solve simple interest problems.
Skill 2.4
Compound interest as repeated simple interest
I can investigate compound interest using repeated simple interest calculations.
Skill 2.5
Describing how simple and compound interest relate
I can describe how simple interest and compound interest relate.
Skill 2.6
How changing time, rate, or period affects an investment
I can investigate how changing time, rate, or period affects an investment.
Skill 2.7
Solving saving and investing problems with compound interest
I can solve saving and investing problems using compound interest.
Skill 2.8
Borrowing
The effects of carrying an outstanding credit card balance
I can investigate the effects of carrying an outstanding balance on a credit card.
Skill 2.9
Comparing features and conditions of personal loans
I can compare the features and conditions of different personal loans.
Skill 2.10
Calculating total interest paid on a loan
I can calculate the total interest paid on a loan and use it to justify a choice.
Skill 2.11
How the length of a loan repayment affects principal and interest
I can investigate how the length of a loan repayment affects principal and interest.
Skill 2.12
Comparing payment periods and their effect on loan cost
I can compare how different payment periods affect the cost of a loan.
Skill 2.13
Understanding credit ratings
I can describe credit ratings and their consequences.
Skill 2.14
Deciding whether to borrow, and justifying the decision
I can make and justify a decision about whether to borrow.
Skill 2.15
The official wording · 15 outcomes
- 2.1
- gather, interpret, and compare information about the various savings alternatives com- monly available from financial institutions
- 2.2
- gather, interpret, and compare information about the costs (e.g., user fees, annual fees, service charges, interest charges on overdue balances) and incentives
- 2.3
- read and interpret transaction codes and entries from various financial statements
- 2.4
- determine, through investigation using tech- nology (e.g., calculator, spreadsheet), the effect on simple interest of changes in the principal, interest rate, or time, and solve problems involving applications of simple interest
- 2.5
- determine, through investigation using technology, the compound interest for a given investment, using repeated calculations of simple interest for no more than 6 compound- ing periods
- 2.6
- describe the relationship between simple interest and compound interest in various ways
- 2.7
- determine, through investigation using technology (e.g., a TVM Solver on a graphing calculator or on a website), the effect on the future value of a compound interest invest- ment of changing the total length of time, the interest rate, or the compounding period
- 2.8
- solve problems, using technology, that involve applications of compound interest to saving and investing
- 2.9
- gather, interpret, and compare information about the effects of carrying an outstanding balance on a credit card at current interest rates
- 2.10
- gather, interpret, and compare information describing the features (e.g., interest rates, flexibility) and conditions
- 2.11
- calculate, using technology (e.g., calculator, spreadsheet), the total interest paid over the life of a personal loan
- 2.12
- determine, using a variety of tools (e.g., spreadsheet template, online amortization tables), the effect of the length of time taken to repay a loan on the principal and interest components of a personal loan repayment
- 2.13
- compare, using a variety of tools (e.g., spread- sheet template, online amortization tables), the effects of various payment periods
- 2.14
- gather and interpret information about credit ratings, and describe the factors used to deter- mine credit ratings and the consequences of a good or bad rating
- 2.15
- make and justify a decision to borrow, using various criteria
Key ideas
Financial institutions offer different savings alternatives, like chequing accounts and term investments, each with its own fees and rules.
Simple interest is calculated only on the original principal, and grows by the same dollar amount every period.
Carrying an unpaid balance on a credit card means paying interest, often at a high rate, on the amount owed.
Some strategies, like maintaining a minimum balance, can reduce or eliminate certain fees.
Changing the principal, the rate, or the time all change how much simple interest builds up.
Watch out for
- Assuming all savings accounts have the same fees and rules.
- Recalculating interest on a growing balance instead of always the original principal.
- Underestimating how quickly interest builds up on a carried credit card balance.
Every skill’s key ideas, worked examples and checks are in MapleMind.Practise this unit
Unit 3 · 15 skills
Transportation and Travel
Owning and Operating a Vehicle
Getting an Ontario driver's licence: procedures and costs
I can describe the procedures and costs of getting an Ontario driver's licence.
Skill 3.1
Procedures for buying, leasing, or buying a used vehicle
I can describe the procedures for buying, leasing, or buying a used vehicle.
Skill 3.2
Vehicle insurance procedures and costs
I can describe vehicle insurance procedures and compare insurance costs.
Skill 3.3
Costs and conditions favouring buying, leasing, or buying used
I can compare costs and identify conditions that favour buying, leasing, or buying used.
Skill 3.4
Consequences of operating a vehicle irresponsibly
I can describe the consequences of operating a vehicle irresponsibly.
Skill 3.5
Costs and benefits of using a vehicle for business
I can identify the costs and benefits of using a vehicle for business.
Skill 3.6
Solving problems with fixed and variable vehicle costs
I can solve problems involving the fixed and variable costs of owning a vehicle.
Skill 3.7
Travelling by Automobile
Determining distances from map scales
I can determine distances on a map using its scale.
Skill 3.8
Planning and justifying a road trip route
I can plan and justify a route for a road trip.
Skill 3.9
Estimating and reporting on trip costs
I can estimate and report on the costs of a road trip.
Skill 3.10
Solving problems about the cost of automobile travel
I can solve problems about the cost of automobile travel.
Skill 3.11
Comparing Modes of Transportation
The impact of daily travel choices
I can describe the impact of daily travel choices.
Skill 3.12
Comparing costs and conditions of renting a vehicle
I can compare the costs and conditions of renting a vehicle.
Skill 3.13
Gathering information about airplane, train, and bus travel
I can gather information about routes, schedules, and fares for airplane, train, and bus travel.
Skill 3.14
Comparing transportation modes to solve problems
I can solve problems comparing transportation modes.
Skill 3.15
The official wording · 15 outcomes
- 3.1
- gather and interpret information about the procedures (e.g., in the graduated licensing system) and costs
- 3.2
- gather and describe information about the procedures involved in buying or leasing a new vehicle or buying a used vehicle
- 3.3
- gather and interpret information about the procedures and costs involved in insuring a vehicle (e.g., car, motorcycle, snowmobile) and the factors affecting insurance rates
- 3.4
- gather and interpret information about the costs (e.g., monthly payments, insurance, deprecia- tion, maintenance, miscellaneous expenses) of purchasing or leasing a new vehicle or purchasing a used vehicle
- 3.5
- describe ways of failing to operate a vehicle responsibly (e.g., lack of maintenance, careless driving) and possible financial and non-financial consequences
- 3.6
- identify and describe costs (e.g., gas consump- tion, depreciation, insurance, maintenance) and benefits (e.g., convenience, increased profit) of owning and operating a vehicle for business
- 3.7
- solve problems, using technology (e.g., calcu- lator, spreadsheet), that involve the fixed costs (e.g., licence fee, insurance) and variable costs (e.g., maintenance, fuel) of owning and operating a vehicle
- 3.8
- determine distances represented on maps (e.g., provincial road map, local street map, Web-based maps), using given scales
- 3.9
- plan and justify, orally or in writing, a route for a trip by automobile on the basis of a vari- ety of factors
- 3.10
- report, orally or in writing, on the estimated costs (e.g., gasoline, accommodation, food, entertainment, tolls, car rental) involved in a trip by automobile
- 3.11
- solve problems involving the cost of travelling by automobile for personal or business purposes
- 3.12
- gather, interpret, and describe information about the impact (e.g., monetary, health, environmental) of daily travel
- 3.13
- gather, interpret, and compare information about the costs (e.g., insurance, extra charges based on distance travelled) and conditions
- 3.14
- gather, interpret, and describe information regarding routes, schedules, and fares for travel by airplane, train, or bus
- 3.15
- solve problems involving the comparison of information concerning transportation by air- plane, train, bus, and automobile
Key ideas
Ontario's graduated licensing system has stages, each with its own procedures, costs, and privileges.
A map's scale tells you how a measured distance on the map translates to a real distance.
Daily travel choices, like driving, taking transit, or walking, have monetary, health, and environmental impacts.
A driver's licence also comes with restrictions, especially at the early stages.
Measuring carefully and applying the scale correctly gives an accurate real-world distance.
Watch out for
- Assuming a driver's licence is obtained in a single step with no stages.
- Forgetting to apply the map's scale and reporting the measured distance as the real distance.
- Considering only the monetary cost of a travel choice and ignoring health or environmental impact.
Every skill’s key ideas, worked examples and checks are in MapleMind.Practise this unit
Plan the term
Pick your term and the days you study. Each unit gets its share of the weeks and comes back a week later for a review. The last two weeks go over the whole course.
Which course?
Ontario has 4 math courses for Grade 11. Here they are side by side.
- Foundations for College Mathematics, Grade 11 (College)MBF3C4 units · 57 skillsNo provincial examWhat it coversMathematical Models · Personal Finance · Geometry and Trigonometry · Data Management
- Functions and Applications, Grade 11 (University/College)MCF3M3 units · 53 skillsNo provincial examWhat it coversQuadratic Functions · Exponential Functions · Trigonometric Functions
- Functions, Grade 11 (University)MCR3U4 units · 68 skillsNo provincial examWhat it coversCharacteristics of Functions · Exponential Functions · Discrete Functions · Trigonometric Functions
- Mathematics for Work and Everyday Life, Grade 11 (Workplace)This courseMEL3E3 units · 48 skillsNo provincial examWhat it coversEarning and Purchasing · Saving, Investing, and Borrowing · Transportation and Travel
What a university, college or program asks for is theirs to say: check its admission page, and your school’s course guide.
The official curriculum
This page follows Ontario’s own curriculum for Mathematics for Work and Everyday Life, Grade 11 (Workplace).
Textbooks
The textbooks Ontario Ministry of Education lists for Mathematics for Work and Everyday Life, Grade 11 (Workplace):
- Mathematics for Everyday Life 11
From the Trillium List, read October 27, 2026. ontario.ca
Strands
| Strand | Outcomes | Taught in |
|---|---|---|
| AEarning and Purchasing | Outcomes 18 | Taught in Unit 1 |
| BSaving, Investing, and Borrowing | Outcomes 15 | Taught in Unit 2 |
| CTransportation and Travel | Outcomes 15 | Taught in Unit 3 |
Study it in MapleMind
MapleMind teaches Mathematics for Work and Everyday Life, Grade 11 (Workplace) one skill at a time. Each skill gets a short lesson, practice as you go and a check worth up to three stars. It remembers where you stopped.
Course Companion
Your year in one workbook
A fun way to keep Mathematics for Work and Everyday Life, Grade 11 (Workplace) organized, get to know your child better and see early when they need a hand. Fill it in on a screen, or print it.
- Pages
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Questions about Mathematics for Work and Everyday Life, Grade 11 (Workplace)
What is Mathematics for Work and Everyday Life, Grade 11 (Workplace)?
Ontario’s Grade 11 math course: 3 units and 48 skills, from Earning and Purchasing to Transportation and Travel.
What units are in Mathematics for Work and Everyday Life, Grade 11 (Workplace)?
1. Earning and Purchasing, 2. Saving, Investing, and Borrowing and 3. Transportation and Travel.
Is there a provincial exam for Mathematics for Work and Everyday Life, Grade 11 (Workplace)?
No. Ontario gives no provincial exam for Mathematics for Work and Everyday Life, Grade 11 (Workplace).
What textbook does Mathematics for Work and Everyday Life, Grade 11 (Workplace) use?
The textbooks Ontario Ministry of Education lists for Mathematics for Work and Everyday Life, Grade 11 (Workplace): Mathematics for Everyday Life 11, Irwin Publishing.
What comes after Mathematics for Work and Everyday Life, Grade 11 (Workplace)?
Advanced Functions, Grade 12 (University), Calculus and Vectors, Grade 12 (University), Mathematics of Data Management, Grade 12 (University), Foundations for College Mathematics, Grade 12 (College), Mathematics for College Technology, Grade 12 (College) and Mathematics for Work and Everyday Life, Grade 12 (Workplace).
Can MapleMind help with Mathematics for Work and Everyday Life, Grade 11 (Workplace)?
Yes. MapleMind teaches every skill of Mathematics for Work and Everyday Life, Grade 11 (Workplace), step by step, with practice and checks, and its tutor answers questions about any of them. It’s free with daily limits, on iPhone, Android and the web.
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