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Adding, subtracting and multiplying decimals

Line up the points to add 12.5 and 3.75; count the places to multiply 2.4 by 0.35 and get 0.84.

The prices, bills and other everyday numbers below, including the ones in won, are made up for practice. The methods follow OpenStax Prealgebra 2e.

A 12.50 sandwich and a 3.75 drink

You buy a sandwich for 12.50 dollars and a drink for 3.75 dollars. Adding 12.5 and 3.75 goes wrong if you line the numbers up on the right, because then you would be adding tenths to hundredths. The OpenStax steps are short: write the numbers in a column so the decimal points sit one above the other, fill empty places with zeros, add as if they were whole numbers, and put the point in the answer straight below the others. 12.50 + 3.75 = 16.25.

The points stand in one column. The zero after 12.5 is only a placeholder.

Subtraction works the same way, and the placeholder zeros matter even more. To find the change from 20 dollars on a bill of 7.36 dollars, write 20 as 20.00. Then 20.00 − 7.36 = 12.64. Without the zeros it is easy to subtract 6 from nothing and lose track of the borrowing.

A quick estimate catches most slips. 12.5 + 3.75 should be a little over 16, and 20 − 7.36 should be a little under 13. Wrote 4.0? Or 160? Then a point is in the wrong place.

2.4 × 0.35 starts as 24 × 35

For multiplication you do not line up the points at all. Multiply the digits as whole numbers, then place the point so that the answer has as many decimal places as the two factors together. For 2.4 × 0.35, multiply 24 × 35 = 840. The factors have 1 and 2 decimal places, 3 in total, so the product is 0.840, which is 0.84. A butcher's price works the same way. Meat at 24 a kilogram, 0.35 kilograms of it: 8.40.

Why count places? 2.4 is 24/10 and 0.35 is 35/100. Multiplying fractions multiplies the denominators too: 10 × 100 = 1,000. So the product is 840/1,000, and dividing by 1,000 means three decimal places. Counting places is a shortcut for multiplying the denominators.

Multiplying by a number between 0 and 1 makes the answer smaller. 0.35 is about a third, so 2.4 × 0.35 should be around 0.8. That check helps when the product has to be padded with zeros: 0.3 × 0.02 starts as 3 × 2 = 6 and needs 1 + 2 = 3 places, so it is 0.006.

Sliding the point: 4.07 × 1,000 and 36.5 ÷ 100

Multiplying by 10 moves the decimal point one place to the right; by 100, two places; by 1,000, three places. Write zeros at the end if you run out of digits: 4.07 × 1,000 = 4,070. Dividing by the same numbers moves the point left: 36.5 ÷ 100 = 0.365. The number of zeros tells you how many places to move.

Turning 7.2 ÷ 0.3 into 72 ÷ 3

To divide by a decimal, make the divisor a whole number first. Move its point to the right, and move the point in the number being divided the same number of places. 7.2 ÷ 0.3 becomes 72 ÷ 3 = 24. Both numbers were multiplied by 10, and multiplying both parts of a division by the same number does not change the answer, for the same reason that 2/4 and 20/40 are equal.

Add or subtract: line up the points. Multiply: count the decimal places in both factors. Divide by a decimal: move both points until the divisor is whole.

  1. 4.6 + 2.75 = ?
  2. 10 − 3.48 = ?
  3. You pay for a 13.65 bill with a 20 note. How much change?
  4. 0.6 × 0.4 = ?
  5. 3.2 × 1.5 = ?
  6. 0.05 × 0.3 = ?
  7. 2.36 × 100 = ?
  8. 45.2 ÷ 1000 = ?
  9. 8.4 ÷ 0.4 = ?
  10. Without calculating exactly: 5.9 × 0.48 is closest to
    • 0.3
    • 3
    • 30
Common mistakes
  • 12.5 + 3.75 = 5.00 (digits lined up on the right). Lining up on the right adds the 5 tenths to the 5 hundredths. Line up the points and write 12.50: the sum is 16.25.
  • 0.3 × 0.02 = 0.06. The factors have 1 and 2 decimal places, so the product needs 3: 3 × 2 = 6 becomes 0.006.
  • 2.4 × 0.35 = 8.4. Multiplying by 0.35, which is less than 1, must give less than 2.4. Three decimal places are needed: 0.840.
  • 7.2 ÷ 0.3 = 2.4 (only the divisor's point moved). Both points move by the same number of places. 7.2 ÷ 0.3 is 72 ÷ 3 = 24.
Teacher's noteAddition goes wrong on paper and multiplication goes wrong in the head. Someone who has just learned to line up the points will try to do it for multiplication as well. It does no harm, but it hides the actual rule, so say plainly that the points only need lining up for adding and subtracting. Then ask for an estimate before every product. 2.4 × 0.35 is a bit over 2 times about a third, so near 0.8. The estimate is what catches a point in the wrong place, much more than the counting rule does. In Korea, adding and subtracting decimals to two places is taught in grades 3 and 4, and multiplying and dividing decimals in grades 5 and 6.
Key points
  • Line up the points to add or subtract; fill gaps with zeros.
  • Multiply as whole numbers, then give the answer as many decimal places as both factors together.
  • Multiplying by 10, 100, 1,000 moves the point right 1, 2, 3 places.
  • Divide by a decimal by moving both points until the divisor is whole.
Sources for this course (10)
  • Curriculum: 교육부 고시 제2022-33호 [별책 8] 수학과 교육과정 (ncic.re.kr/inv/org/download.do?year=2022&seq=10003559&orgType=ogi4, PDF read 2026-10-19: 초등학교 3~4학년군 [4수01-12] 소수 한 자리 수, [4수01-13] 소수 두 자리 수와 세 자리 수, [4수01-14] 소수의 크기 비교, [4수01-16] 소수 두 자리 수 범위의 덧셈과 뺄셈, 용어 소수·소수점; 5~6학년군 [6수01-03] 올림·버림·반올림, [6수01-12] 분수와 소수의 관계, [6수01-13] 소수의 곱셈, [6수01-14] 몫을 소수로, [6수01-15] 소수의 나눗셈, [6수02-03] 비율을 분수·소수·백분율로, 용어 비·기준량·비교하는 양·비율·백분율·%; 중학교 1~3학년군 [9수01-06] 순환소수, 용어 유한소수·순환소수; 고등학교 진로 선택 경제 수학 [12경수01-03] 세금, 용어 퍼센트포인트·할인율; 직무 수학 [12직수02-02] 손익률·인상률·할인율)
  • Textbook: OpenStax, Prealgebra 2e (Marecek, Anthony-Smith, Honeycutt Mathis, 2020)
  • sections 5.1 Decimals, 5.2 Decimal Operations, 5.3 Decimals and Fractions, 6.1 Understand Percent, 6.2 Solve General Applications of Percent, 6.3 Sales Tax, Commission and Discount, chapter 5 and 6 Key Concepts (openstax.org/books/prealgebra-2e/pages/5-key-concepts, /6-key-concepts, /6-3-solve-sales-tax-commission-and-discount-applications, checked 2026-10-17)
  • Merriam-Webster, "percentage point" (merriam-webster.com/dictionary/percentage%20point, checked 2026-10-17)
  • NIST, SI Units: Length (nist.gov/pml/owm/si-units-length, checked 2026-10-17)
  • 국세청, 부가가치세 세율 (nts.go.kr/nts/cm/cntnts/cntntsView.do?mi=2275&cntntsId=7696, 일반과세자 모든 업종 10%, checked 2026-10-19)
  • 부가가치세법 제30조 「부가가치세의 세율은 10퍼센트로 한다」 (law.go.kr, checked 2026-10-19)
  • Python round(2.5) and JavaScript (1.005).toFixed(2)
  • checked by running them (2026-10-17)
  • History block only: MacTutor, University of St Andrews, Simon Stevin biography (mathshistory.st-andrews.ac.uk/Biographies/Stevin, checked 2026-10-17)

Checked: 2026-10-17