Money totals and change

Key idea: Keep dollars and cents aligned. Change is the amount paid minus the cost.

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Work in the same unit

Check the cents before adding. Will they make more than one dollar?

A notebook costs $4.75 and a pen costs $2.60. Change both prices to cents before joining them.

Two prices make one total

The bar uses cents throughout. The two price parts fit together without changing their amounts.

Both prices are in cents. Their parts make one total.
Figure data

This table is included in print while it is open.

Whole and parts
QuantityAmount
Total (c)?
Notebook (c)475
Pen (c)260

475 + 260 = 735 cents, or $7.35. The 75 cents and 60 cents make 135 cents: exchange 100 cents for a dollar. That gives 4 + 2 + 1 = 7 dollars and 35 cents.

In dollars, line up the points: dollars with dollars, cents with cents.

4.75; + 2.60; 7.35

Writing $6.35 would lose the exchanged dollar.

Will the cents make another dollar?

Check your understanding 1

Add the amounts and keep the unit

Two items cost $2.85 and $1.70. Find the total in dollars. Use two digits after the point. You can type a dollar sign, as in $1.20. Or type just the number.

Check your total in cents. Which part of your calculation makes another complete dollar? You can explain aloud or on paper.

Why do 85 cents and 70 cents make another dollar?

Show answerHide answer

$4.55. In cents, 285 + 170 = 455. The 85 cents and 70 cents make 155 cents. That is one more dollar and 55 cents.

$2.60 and $2.6 name the same amount. If you need two decimal places, keep the final zero. In $2.60, the 6 means sixty cents, not six cents.

Find the missing change

How much money should come back?

You pay $10.00 for the notebook and pen costing $7.35 together. The payment must cover both the cost and the change.

Keep the whole payment

All labels use cents. The missing part is the amount returned after paying the cost.

The payment is the whole. Cost and change are its two parts.
Figure data

This table is included in print while it is open.

Whole and parts
QuantityAmount
Payment (c)1000
Cost (c)735
Change (c)?

1000-735 = 265 cents. The change is $2.65. Check: $7.35 + $2.65 = $10.00.

The same subtraction in dollars keeps the points aligned:

10.00; - 7.35; 2.65

Or count up. Add 65 cents to reach $8.00. Add $2.00 to reach $10.00. Your jumps total $2.65.

How much money should come back?

Check your understanding 2

Calculate, then check

An item costs $6.85. You pay $10.00. Write the change in cents, using a number only.

Show answerHide answer

315 cents, or $3.15. From 685 cents, add 15 cents to reach 700 cents. Add 300 more to reach 1000.

The unit matters: 315 cents is $3.15, not $315.

Which price do you need to find?

Check your understanding 3

Account for the whole payment

You pay $20.00 for two items. Your change is $4.35. One item costs $8.70. Find the other item’s price. Write both prices in dollars, with two decimal places.

Which part was spent?

The payment splits into the cost of both items and the change. The cost of both items is still unknown.

First find the cost of both items. Do not spend the change too.
Figure data

This table is included in print while it is open.

Whole and parts
QuantityAmount
Payment (c)2000
Both items (c)?
Change (c)435
Which parts add up to your payment of 20 dollars?

Show answerHide answer

The items cost 2000-435 = 1565 cents together. The other item costs 1565-870 = 695 cents, or $6.95.

Check: $8.70 + $6.95 + $4.35 = $20.00. Subtracting only $8.70 from the payment would also spend the change.

Estimate to catch a misplaced digit

Which price do you need to find?

Sam adds $3.40 and $1.10 and writes $45.00. The prices are near three dollars and one dollar. Is forty-five dollars sensible? Write the correct total with two decimal places.

Show answerHide answer

$4.50. The total is 340 + 110 = 450 cents. The amount is near four or five dollars, so $45.00 is too large.

$4.5 has the correct value. $4.50 shows two decimal places, as the question asks. Estimate to check the size. Keep the exact cents for your answer.

Follow money coming in and going out

Which amounts come in and which go out?

Nadia has $12.50. Her aunt gives her $4.80. She then buys a sketchbook for $6.95 and stickers for $3.65. How much money does she have left?

Start with all the money available

Both given parts are money Nadia can spend. All amounts in the bar are cents.

Money already held and money received both belong to the amount available.
Figure data

This table is included in print while it is open.

Whole and parts
QuantityAmount
Available (c)?
At first (c)1250
Received (c)480

Now account for both purchases. Do they add to or take away from the money she holds?

Show the money trailHide answer

Add the gift: $12.50 + $4.80 = $17.30 available. Add both prices: $6.95 + $3.65 = $10.60 spent. Money left: $17.30 − $10.60 = $6.70.

Check where the available money went

Join what you spent and what you have left. You get all the money you had.

After buying, join the spending and the money left. They still make the amount you had.
Figure data

This table is included in print while it is open.

Whole and parts
QuantityAmount
Available (c)1730
Spent (c)1060
Left (c)?

Or subtract each price in order. $17.30 − $6.95 = $10.35. Then $10.35 − $3.65 = $6.70. Both methods keep track of money in and money out. Adding every number would count spending as extra money.

Compare complete baskets

How much does each whole basket cost?

You have $10.00. Choose one complete basket from the table. There are no other charges. Each basket contains the two listed items.

BasketFirst itemSecond item
ANotebook: $3.85Pen: $2.40
BDrawing pad: $4.10Pencils: $2.65

Find the money left with each choice. Then find how much more money one choice leaves than the other. Comparing only one item would leave out part of a basket.

Compare both waysHide answer

Basket A costs $3.85 + $2.40 = $6.25. Basket B costs $4.10 + $2.65 = $6.75.

The same $10.00 leaves $3.75 with A or $3.25 with B. Basket A leaves $0.50 more.

Check the costs: $6.75 − $6.25 = $0.50 too. Both baskets start with the same budget. Each extra cent spent leaves one less cent. Buying both baskets would answer a different question.

For a grown-up

Pip’s synthetic voice uses the University of Edinburgh’s Alba speech dataset, via Piper’s Alba voice, under CC BY 4.0. Audio is optional.

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