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The official Ontario Mathematics for Work and Everyday Life, Grade 11 (Workplace) curriculum
Ontario defines Mathematics for Work and Everyday Life, Grade 11 (Workplace) by strands and outcomes. MapleMind teaches the same curriculum reorganized for one-skill-at-a-time tutoring — the table shows exactly where every official strand lands, and the ministry's own wording is quoted under each unit below.
Official source Ontario's official mathematics curriculumRead it on the government site — dcp.edu.gov.on.ca ↗| Official strand | Outcomes | Where MapleMind teaches it |
|---|---|---|
| Strand A | 18 | Earning and Purchasing |
| Strand B | 15 | Saving, Investing, and Borrowing |
| Strand C | 15 | Transportation and Travel |
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How MapleMind teaches Mathematics for Work and Everyday Life, Grade 11 (Workplace) — every unit, lesson, and skill
Every skill below runs as a short session: a plain-words lesson, a worked example, solving it together, then a five-question skill check that earns up to three stars. Guided Mode keeps it teaching instead of answer-handing — turning it off needs a parent's password.
Unit 1Earning and PurchasingOfficial strand · Strand A
Understanding pay, payroll deductions, and purchasing power; and comparing prices, discounts, taxes, and everyday purchasing decisions.
Earning
- What makes up total earningsmel3e.1.1 — Gather, interpret, and compare information about the components of total earnings, like salary, benefits, vacation pay, and profit-sharing, in different jobs.
- Different ways and schedules people get paidmel3e.1.2 — Gather, interpret, and describe different remuneration methods, like hourly rate, commission, and salary, and remuneration schedules, like weekly or monthly.
- How pay methods and schedules affect spending decisionsmel3e.1.3 — Describe how different remuneration methods and schedules affect decisions about personal spending, like timing a major purchase or scheduling bill payments.
- Deciding between job offers with different pay methodsmel3e.1.4 — Solve problems and make decisions comparing different remuneration methods and schedules, like an hourly job versus a salary-plus-commission job.
- Government and other payroll deductionsmel3e.1.5 — Gather, interpret, and describe information about government payroll deductions like CPP, EI, and income tax, and other deductions like union dues.
- Estimating and comparing how much payroll deductions takemel3e.1.6 — Estimate and compare, using current data, the percent of total earnings taken by government payroll deductions at different earnings levels.
- Gross pay, net pay, and estimating take-home paymel3e.1.7 — Describe the relationship between gross pay, net pay, and payroll deductions, and estimate net pay in various situations.
- Comparing purchasing power and living standardsmel3e.1.8 — Describe and compare the purchasing power and living standards associated with occupations of interest.
Purchasing
- Identifying purchasing incentivesmel3e.1.9 — Identify and describe various incentives used in purchasing decisions, like percent-off discounts, buy-one-get-one deals, loyalty rewards, and 0% financing.
- Estimating a sale price before taxesmel3e.1.10 — Estimate the sale price before taxes when making a purchase, using quick mental math strategies.
- Estimating sales taxmel3e.1.11 — Describe and compare strategies for estimating sales tax, and use a chosen strategy to estimate the after-tax cost of common items.
- Calculating discounts, sale prices, and after-tax costsmel3e.1.12 — Calculate discounts, sale prices, and after-tax costs, using technology.
- Identifying forms of taxation built into a pricemel3e.1.13 — Identify forms of taxation built into the cost of an item or service, like gasoline tax or tire tax.
- Estimating the change from a paymentmel3e.1.14 — Estimate the change from an amount offered to pay a charge.
- Making correct change with currencymel3e.1.15 — Make the correct change from an amount offered to pay a charge, using currency manipulatives.
- Comparing unit prices to find the best buymel3e.1.16 — Compare the unit prices of related items to help determine the best buy.
- Comparing the extra costs of different types of purchase transactionsmel3e.1.17.a — Describe and compare, for different types of transactions, the extra costs that may be associated with making purchases, like interest costs, exchange rates, shipping and handling costs, customs duty, and insurance.
- Making and justifying a purchase decisionmel3e.1.17.b — Make and justify a decision regarding the purchase of an item, using various criteria under various circumstances.
The official wording — 18 outcomes in this unit
- mel3e.1.1
gather, interpret, and compare information about the components of total earnings
- mel3e.1.2
gather, interpret, and describe information about different remuneration methods
- mel3e.1.3
describe the effects of different remuneration methods and schedules on decisions related to personal spending habits
- mel3e.1.4
solve problems, using technology (e.g., cal- culator, spreadsheet), and make decisions involving different remuneration methods and schedules
- mel3e.1.5
gather, interpret, and describe information about government payroll deductions
- mel3e.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
- mel3e.1.7
describe the relationship between gross pay, net pay, and payroll deductions
- mel3e.1.8
describe and compare the purchasing power and living standards associated with relevant occupations of interest
- mel3e.1.9
identify and describe various incentives in making purchasing decisions
- mel3e.1.10
estimate the sale price before taxes when making a purchase
- mel3e.1.11
describe and compare a variety of strategies for estimating sales tax
- mel3e.1.12
calculate discounts, sale prices, and after-tax costs, using technology
- mel3e.1.13
identify forms of taxation built into the cost of an item or service
- mel3e.1.14
estimate the change from an amount offered to pay a charge
- mel3e.1.15
make the correct change from an amount offered to pay a charge, using currency manipulatives
- mel3e.1.16
compare the unit prices of related items to help determine the best buy
- mel3e.1.17.a
describe and compare, for different types of transactions, the extra costs that may be asso- ciated with making purchases
- mel3e.1.17.b
make and justify a decision regarding the purchase of an item, using various criteria
Unit 2Saving, Investing, and BorrowingOfficial strand · Strand B
Comparing financial services and reading financial statements; understanding simple and compound interest for saving and investing; and comparing borrowing options and costs.
Comparing Financial Services
- Comparing savings alternatives and their costsmel3e.2.1 — Gather, interpret, and compare information about savings alternatives available from financial institutions, their costs, and ways to reduce those costs.
- Comparing costs and incentives of credit and debit cardsmel3e.2.2 — Gather, interpret, and compare information about the costs and incentives associated with various credit cards and debit cards.
- Reading and interpreting financial statementsmel3e.2.3 — Read and interpret transaction codes and entries from financial statements, like a bank or credit card statement, and explain how to use the information to manage personal finances.
Saving and Investing
- How principal, rate, and time affect simple interestmel3e.2.4 — Investigate, using technology, how changes in principal, interest rate, or time affect simple interest, and solve problems involving simple interest.
- Compound interest as repeated simple interestmel3e.2.5 — Investigate compound interest for an investment using repeated calculations of simple interest, for no more than 6 compounding periods.
- Describing how simple and compound interest relatemel3e.2.6 — Describe the relationship between simple interest and compound interest orally, in writing, and using tables and graphs.
- How changing time, rate, or period affects an investmentmel3e.2.7 — Investigate, using technology, the effect on future value of changing the length of time, interest rate, or compounding period of a compound interest investment.
- Solving saving and investing problems with compound interestmel3e.2.8 — Solve problems, using technology, that involve applications of compound interest to saving and investing.
Borrowing
- The effects of carrying an outstanding credit card balancemel3e.2.9 — Gather, interpret, and compare information about the effects of carrying an outstanding balance on a credit card at current interest rates.
- Comparing features and conditions of personal loansmel3e.2.10 — Gather, interpret, and compare information describing the features and conditions of various personal loans, like a student loan, car loan, or line of credit.
- Calculating total interest paid on a loanmel3e.2.11 — Calculate, using technology, the total interest paid over the life of a personal loan, and use the calculation to justify a loan choice.
- How the length of a loan repayment affects principal and interestmel3e.2.12 — Determine, using tools like amortization tables, the effect of the length of time taken to repay a loan on the principal and interest components of repayment.
- Comparing payment periods and their effect on loan costmel3e.2.13 — Compare, using amortization tools, the effects of various payment periods, like monthly versus biweekly, on the time and total interest to repay a loan.
- Understanding credit ratingsmel3e.2.14 — Gather and interpret information about credit ratings, describing the factors used to determine them and the consequences of a good or bad rating.
- Deciding whether to borrow, and justifying the decisionmel3e.2.15 — Make and justify a decision to borrow, using criteria like income, cost of borrowing, and need for an item, under various real-life circumstances.
The official wording — 15 outcomes in this unit
- mel3e.2.1
gather, interpret, and compare information about the various savings alternatives com- monly available from financial institutions
- mel3e.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
- mel3e.2.3
read and interpret transaction codes and entries from various financial statements
- mel3e.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
- mel3e.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
- mel3e.2.6
describe the relationship between simple interest and compound interest in various ways
- mel3e.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
- mel3e.2.8
solve problems, using technology, that involve applications of compound interest to saving and investing
- mel3e.2.9
gather, interpret, and compare information about the effects of carrying an outstanding balance on a credit card at current interest rates
- mel3e.2.10
gather, interpret, and compare information describing the features (e.g., interest rates, flexibility) and conditions
- mel3e.2.11
calculate, using technology (e.g., calculator, spreadsheet), the total interest paid over the life of a personal loan
- mel3e.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
- mel3e.2.13
compare, using a variety of tools (e.g., spread- sheet template, online amortization tables), the effects of various payment periods
- mel3e.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
- mel3e.2.15
make and justify a decision to borrow, using various criteria
Unit 3Transportation and TravelOfficial strand · Strand C
Owning and operating a vehicle responsibly; planning and costing a road trip; and comparing modes of transportation.
Owning and Operating a Vehicle
- Getting an Ontario driver's licence: procedures and costsmel3e.3.1 — Gather and interpret information about the procedures and costs of obtaining an Ontario driver's licence, and the privileges and restrictions it carries.
- Procedures for buying, leasing, or buying a used vehiclemel3e.3.2 — Gather and describe information about the procedures involved in buying or leasing a new vehicle or buying a used vehicle.
- Vehicle insurance procedures and costsmel3e.3.3 — Gather and interpret information about the procedures and costs of insuring a vehicle, and compare insurance costs across categories of drivers and vehicles.
- Costs and conditions favouring buying, leasing, or buying usedmel3e.3.4 — Gather and interpret information about the costs of purchasing or leasing a new vehicle or purchasing a used vehicle, and describe which conditions favour each choice.
- Consequences of operating a vehicle irresponsiblymel3e.3.5 — Describe ways of failing to operate a vehicle responsibly and the possible financial and non-financial consequences.
- Costs and benefits of using a vehicle for businessmel3e.3.6 — Identify and describe the costs and benefits of owning and operating a vehicle for business.
- Solving problems with fixed and variable vehicle costsmel3e.3.7 — Solve problems, using technology, that involve the fixed costs and variable costs of owning and operating a vehicle.
Travelling by Automobile
- Determining distances from map scalesmel3e.3.8 — Determine distances represented on maps, using given scales.
- Planning and justifying a road trip routemel3e.3.9 — Plan and justify a route for a trip by automobile based on factors like distance, time of year, and road conditions.
- Estimating and reporting on trip costsmel3e.3.10 — Report on the estimated costs of a trip by automobile, like gasoline, accommodation, and food, using available sources of information.
- Solving problems about the cost of automobile travelmel3e.3.11 — Solve problems involving the cost of travelling by automobile for personal or business purposes.
Comparing Modes of Transportation
- The impact of daily travel choicesmel3e.3.12 — Gather, interpret, and describe information about the monetary, health, and environmental impact of daily travel, using different means like car, transit, or walking.
- Comparing costs and conditions of renting a vehiclemel3e.3.13 — Gather, interpret, and compare information about the costs and conditions of renting a car, truck, or trailer, and use it to justify a rental choice.
- Gathering information about airplane, train, and bus travelmel3e.3.14 — Gather, interpret, and describe information about routes, schedules, and fares for travel by airplane, train, or bus.
- Comparing transportation modes to solve problemsmel3e.3.15 — Solve problems comparing information about transportation by airplane, train, bus, and automobile in terms of factors like cost, time, and convenience.
The official wording — 15 outcomes in this unit
- mel3e.3.1
gather and interpret information about the procedures (e.g., in the graduated licensing system) and costs
- mel3e.3.2
gather and describe information about the procedures involved in buying or leasing a new vehicle or buying a used vehicle
- mel3e.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
- mel3e.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
- mel3e.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
- mel3e.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
- mel3e.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
- mel3e.3.8
determine distances represented on maps (e.g., provincial road map, local street map, Web-based maps), using given scales
- mel3e.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
- mel3e.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
- mel3e.3.11
solve problems involving the cost of travelling by automobile for personal or business purposes
- mel3e.3.12
gather, interpret, and describe information about the impact (e.g., monetary, health, environmental) of daily travel
- mel3e.3.13
gather, interpret, and compare information about the costs (e.g., insurance, extra charges based on distance travelled) and conditions
- mel3e.3.14
gather, interpret, and describe information regarding routes, schedules, and fares for travel by airplane, train, or bus
- mel3e.3.15
solve problems involving the comparison of information concerning transportation by air- plane, train, bus, and automobile
Printable workbook · A keepsake of the year
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Where can I see the official Ontario curriculum for Mathematics for Work and Everyday Life, Grade 11 (Workplace)?
The official source is linked on this page — Ontario's official mathematics curriculum. The outline here follows it: every MapleMind skill carries its official outcome code, and the ministry's own wording is quoted under each unit.
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