Money and Coins · Grades 2–4

How to Count Money and Make Change

Money problems combine coin values with addition and subtraction. Counting up from the cost is often a clear way to find change.

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What children need to know first

  1. One dollar equals 100 cents.
  2. Change is the amount returned after paying more than the price.

Step-by-step explanation

  1. Write the cost and the amount paid in dollars and cents.
  2. Start at the price and count up to the amount paid using convenient coin values.
  3. Add the jumps to find the change.
  4. Check that price plus change equals the amount paid.

Worked examples

Change from $1 for a 67¢ item

67¢ → 70¢ (+3¢) → 100¢ (+30¢)

Answer: 33¢ change 3 + 30 = 33 cents; 67¢ + 33¢ = 100¢.

Two items cost 45¢ and 30¢

45¢ + 30¢ = 75¢. A dollar is 100¢, so 100¢ − 75¢ = 25¢.

Answer: 75¢ total; 25¢ change from $1 The cost and change together equal 100 cents.

036912four jumps of 3
Count up from the price to the amount paid.

Common mistakes and how to fix them

  1. Treating cents and dollars as unrelated units. Rename one dollar as 100 cents when needed.
  2. Giving change that does not add back to the payment. Check cost + change = payment.

Parent teaching tips

  1. Set up a small pretend shop with price tags and coins.
  2. Let your child choose whether counting up or subtracting is easier, then verify the result.

Independent practice

  1. Find the change from $1 for a 42¢ item.
  2. A toy costs $1.25; you pay $2.00. What is the change?

Practice answers

  1. 58¢
  2. $0.75

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Open the matching Grades 2–4 activity for Money. You can print its worksheet with questions only or an answer key.

Start Money practice · View the grade-level topic page