Answer money questions to advance and shoot; miss an advance question to defend. Four drives cover compound interest, inflation, unit prices and borrowing costs, with explanations after mistakes.
Finance Football is a single-player money quiz. Answer questions to advance, shoot and defend, aiming to outscore your opponent over four attacking drives. A match uses at most 16 questions and takes a few minutes; a drive that ends early may use fewer questions. No football controls or personal financial details are needed.
Press start, then click or tap one of four answers. You can also use Tab to focus an answer and Enter or Space to select it. Each question has a 20-second limit; a timeout counts as a wrong answer. Three correct advance answers lead to a shot: get it right to score, or miss to end the drive. A wrong advance answer triggers one defence question: answer correctly to save, or concede a goal. Read the answer and explanation after a mistake, then continue. Leaving the tab or moving focus out of the game pauses play; press resume when you return.
Correct advance answers earn 100 base points in drives one and two, and 125 in drives three and four. Shots and saves earn 150 base points. Every three consecutive correct answers add 0.5 to the multiplier for subsequent answers, capped at 4×. A mistake or timeout earns nothing and resets the streak, without removing points already earned. Points are the base value times the current multiplier, rounded to the nearest integer. There is no speed bonus, and points are separate from goals.
The match ends after four drives, three goals conceded or the last available question. More goals than your opponent means a win, equal goals a draw, and fewer a loss. Grades S, A, B, C and D use accuracy thresholds of 95%, 85%, 70%, 50% and below 50%. A best streak of at least ten adds five percentage points for grading. Your grade does not change the match result.
Review missed questions and their explanations after the match. Play again draws another set and tries to limit repeats, without guaranteeing an entirely new set. Progress can be saved and continued in the same browser; it does not transfer to another device or survive clearing browser data. A shared round link reproduces the same set within the same language.
English and Chinese use the same universal money concepts, rules and calculations, with natural wording for each language in questions, choices, feedback and instructions. Rates and amounts are the assumptions stated in each question. This is knowledge practice, not a certification of financial ability.
Interest joins the balance, so the next year's interest is paid on a bigger number: $1,000 at 5% is $1,102.50 after two years, not $1,100. The extra $2.50 is the second year's interest on the first year's $50.
Source: FV = P(1+r)^n, interest added once a year
Simple interest always pays on the original amount. Over ten years at 8%, $1,000 compounds to $2,158.92 against $1,800 simple — a $358.92 gap that comes from the years, not from a better rate.
Source: FV = P(1+r)^n against I = P x r x n
At 3% a year, $1,000 buys after ten years what $744.09 buys today. The balance never moved; prices did, which is why the loss never appears on a statement.
Source: PV = P / (1+i)^n, on a consumer price basis
Second item half price on two $60 items averages $45 each — a quarter off the pair, not half. Pack sizes need the same treatment: $25 for 500g is $5.00 per 100g, $33 for 750g is $4.40.
Source: Unit price = price / quantity
Sized on what you spend rather than what you earn, and on however many months you want covered: $5,000 a month is $30,000 for six. It belongs somewhere it can be withdrawn quickly and without a penalty.
Source: Fund = monthly spending x months covered
An APR states a year's borrowing cost, fees included, as one percentage, which is what makes two offers comparable. A daily rate reads small for the same reason: 0.05% a day is 18.25% across a year on simple interest.
Source: APR = one year of borrowing cost, fees included, as one percentage; 0.05% x 365 = 18.25% simple
Multiply the balance by (1 + rate) once per year: $1,000 at 5% for two years is $1,102.50. The second year pays interest on $1,050 rather than $1,000, and that $2.50 is the whole difference from simple interest. The gap is driven by years more than by rate — at 8% over ten years, $1,000 compounds to $2,158.92 against $1,800 simple.
Eleven whole years at 7% a year with interest added annually. 1.07 to the tenth is 1.97, just short of double, and only the eleventh year clears 2.0. The rule of 72 estimates 72 ÷ 7 ≈ 10.3 years, so it reads a year optimistic here; it is a mental shortcut that is closest around 8%.
It is 25% off the pair, not 50%. Two $60 items cost $90 together, so each one effectively costs $45 — the same as a plain quarter-off sale and worse than any discount deeper than that. It only holds if you wanted both items anyway; one item at full price beats two at 25% off when the second one goes unused.
Size it on monthly spending rather than income, and pick the number of months yourself: at $5,000 a month, six months is $30,000. A steady job needs less cover than a variable one. Keep it somewhere it can be withdrawn quickly and without penalties, because money you cannot reach on the day it is needed is not doing this job.
At 3% a year, $1,000 left as cash buys after ten years what $744.09 buys today. The number in the account is unchanged, so the loss is invisible on a statement. Years matter more than the rate: at 5% for fifteen years, $10,000 is down to $4,810.17 in today's prices.
It is one year of borrowing cost, fees included, expressed as a single percentage. Two offers with the same monthly payment can carry very different APRs once fees are counted, so the payment on its own says nothing about the price. The quickest check on an instalment plan is total repaid minus amount borrowed: $900 a month for twelve months on $10,000 borrowed costs $800.
It splits take-home pay into 50% needs, 30% wants and 20% savings and debt repayment: on $8,000 a month that is $1,600 saved. The common slip is applying it to gross pay — with $10,000 gross and $2,200 of deductions, the budget is built on $7,800. The 20% is a target to aim at rather than a threshold that means anything on its own.
Quiz-style browser games are the practical answer: a round takes a few minutes, needs no signup, and a wrong answer shows the correct one with a short explanation instead of just a cross. Finance Football is one of them — up to sixteen questions on compound interest, discounts, budgeting, borrowing costs and scam signals, dealt as four attacking drives with a 20-second clock on each question.
