Grade 5 · 5.NBT.B.7 · 6.NS.B.3

Multiplying decimals

A taco costs 2.65 dollars and you want four of them. Each order uses 0.7 pound of filling and six orders are waiting. How do you multiply a number with a decimal point by a whole number, and how do you know where the point goes in the answer?

Where you are 8 in Decimal arithmetic

When you reach for it

Shuyi and Maximo run a taco truck. Every order of tacos gets 0.7 pound of filling, and six orders are waiting at the window. How much filling should Shuyi scoop? A taco costs 2.65 dollars, and Darshan wants four. How much does he pay?

Both questions ask for the same thing: a number of equal groups, where each group is a decimal. That is multiplication, just as 6 groups of 7 is 6 \times 7. The only new part is the decimal point. You reach for this lesson whenever one amount with a decimal point is repeated a whole number of times: a price times how many you buy, a weight per order times how many orders, a length per step times how many steps.

You already have two tools that do the job. Adding 0.7 six times works (see Adding and subtracting decimals), but it is slow. And you can multiply whole numbers in columns (see The standard multiplication algorithm). This lesson joins them: it counts tenths and hundredths the way you count anything else, and it shows why the point lands where it does.

This lesson takes three days. Part 1 multiplies tenths by a whole number with base-ten pictures. Part 2 multiplies hundredths, first with an area model and then in columns. Part 3 puts the factors in either order, uses an estimate to check the point, and handles products that end in zero.

The procedure

Part 1: tenths times a whole number

Start with Shuyi’s filling: 6 orders of 0.7 pound each. One way is to add:

0.7 + 0.7 + 0.7 + 0.7 + 0.7 + 0.7 = 4.2

Multiplication is the short way to write that sum: 6 \times 0.7 means 6 groups of 0.7.

Now look at what 0.7 is. It is 7 tenths (see Tenths and hundredths). So 6 groups of 0.7 are 6 groups of 7 tenths. Count the tenths the way you would count anything:

6 \times 7 \text{ tenths} = 42 \text{ tenths}

The unit stays the same. Six groups of 7 apples are 42 apples, and six groups of 7 tenths are 42 tenths. All that is left is to write 42 tenths as a decimal. Ten tenths make one whole, so 40 tenths are 4 wholes, and 2 tenths are left:

42 \text{ tenths} = 4 \text{ ones and } 2 \text{ tenths} = 4.2
6 groups of 7 tenths 4 ones and 2 tenths
Figure 1Six groups of 7 tenths are 42 tenths. Ten tenths fill one whole square, so 42 tenths are 4 ones and 2 tenths: 6 \times 0.7 = 4.2.

The picture shows the same thing. Each thin strip is one tenth of a square. Six groups of seven strips are 42 strips. Pushed together, they fill 4 whole squares with 2 strips to spare. Shuyi scoops 4.2 pounds.

The same counting works when the decimal has ones as well as tenths. Take 3 \times 2.6. The number 2.6 is 26 tenths, so

3 \times 26 \text{ tenths} = 78 \text{ tenths} = 7.8

There is a second way to see it. Split 2.6 into 2 + 0.6, multiply each part by 3, and add. This is the The distributive property:

3 \times 2.6 = 3 \times 2 + 3 \times 0.6 = 6 + 1.8 = 7.8

Both ways give 7.8. The first way is faster. The second shows where each part of the answer comes from: the 6 from the ones, the 1.8 from the tenths.

Part 2: hundredths times a whole number

Darshan wants 4 tacos at 2.65 dollars each. The cost is 4 \times 2.65.

The number 2.65 has a hundredths digit, so count in hundredths. Two dollars and sixty-five cents is 265 cents, and a cent is one hundredth of a dollar (see Money written as decimals). So

4 \times 265 \text{ hundredths} = 1060 \text{ hundredths}

and 1060 hundredths are 10 ones and 60 hundredths, which is 10.60. Darshan pays 10.60 dollars.

The area model shows the same product as a rectangle (see The area model). Make the rectangle 4 tall and 2.65 wide. Then cut the width into its place values, 2, 0.6 and 0.05. Each small rectangle is one easy product.

2 8 0.6 2.4 0.05 0.20 4
Figure 2An area model for 4 \times 2.65. Split 2.65 into 2 + 0.6 + 0.05 and multiply each part by 4. The three areas add to 8 + 2.4 + 0.20 = 10.60. The widths are not drawn to scale.
\begin{aligned} 4 \times 2 &= 8 \\ 4 \times 0.6 &= 2.4 \\ 4 \times 0.05 &= 0.20 \end{aligned}

The middle one is 4 \times 6 tenths = 24 tenths = 2.4. The last one is 4 \times 5 hundredths = 20 hundredths = 0.20. Adding the three areas, with the points lined up,

8 + 2.4 + 0.20 = 10.60

The area model is the distributive property drawn as a picture. It is clear, but it gets long when the numbers grow. The column method does the same work in a short form.

Write the whole number under the decimal, lined up on the right, as you would for whole numbers. Then multiply each digit of 2.65 by 4, starting at the right, and carry as usual:

PlaceMultiplyWriteCarry
hundredths4 \times 5 = 2002 tenths
tenths4 \times 6 + 2 = 2662 ones
ones4 \times 2 + 2 = 1010none
\begin{array}{r} 2.65 \\ \times\ \ \ \ 4 \\ \hline 10.60 \end{array}

Each carry is a trade you already know. Twenty hundredths are 2 tenths, so the 2 moves to the tenths column. Twenty-six tenths are 2 ones and 6 tenths, so the 2 moves to the ones column.

Where does the point go? Every digit of the answer is in the same place as the digit it came from: hundredths times 4 give hundredths, tenths times 4 give tenths. So the answer has the same number of places after the point as the decimal had, here two. This is why the column method lines the numbers up on the right and not by their points: the whole number has no tenths or hundredths, it only tells you how many groups there are.

This also answers a quick question: when the whole number is 10 or 100, every digit shifts one or two places, a shortcut taught in Multiplying a decimal by ten, one hundred or one thousand.

Part 3: either order, estimating, and zeros at the end

Either order. Sometimes the decimal comes first: 0.7 \times 6. The order of the factors does not change a product. This is the commutative property of multiplication (see Properties of multiplication), so

0.7 \times 6 = 6 \times 0.7 = 4.2

You can also read 0.7 \times 6 as “seven tenths of 6.” One tenth of 6 is 0.6, since ten of those make 6. Seven of them make 7 \times 0.6 = 4.2. The same answer, as it must be.

An estimate places the point. Before or after you multiply, round the decimal to a nearby whole number (see Estimating by rounding). For 4 \times 2.65, the price 2.65 is close to 3, so the cost is close to 4 \times 3 = 12 dollars. The column method gave the digits 1060. Of 1.060, 10.60 and 106.0, only 10.60 is close to 12. The estimate cannot tell you every digit, but it tells you at once if the point is in the wrong place.

Zeros at the end. The product 4 \times 2.65 came out as 10.60. A zero in the last place after the point adds no hundredths, so

10.60 = 10.6

Both are correct. On a bill you keep two places, 10.60 dollars, because money is counted in cents. For a weight, 10.6 pounds is the plainer way to write it. There are two rules for this. Place the point first, then drop zeros, never the other way around: dropping the 0 from 1060 before placing the point would give 106 hundredths, the wrong number. And only zeros after the point may go: the 0 in the 10 is holding the ones place.

Bigger whole numbers. When the whole number has two digits, multiply as you would for whole numbers, with one partial product for each digit (see The standard multiplication algorithm), and place the point by the same rule. The worked examples below do this twice.

Worked examples

Examples 1 and 2 go with Part 1, Examples 3 and 4 with Part 2, and Examples 5 to 7 with Part 3.

Example 1

Nine plates of chicken tacos

Each plate of chicken tacos gets 0.4 pound of chicken. How much chicken do 9 plates use?

Solution

The chicken is 9 groups of 0.4 pound, which is 9 \times 0.4. The number 0.4 is 4 tenths, so count tenths:

9 \times 4 \text{ tenths} = 36 \text{ tenths}

Thirty tenths make 3 wholes, with 6 tenths left over, so 36 tenths = 3.6. The 9 plates use 3.6 pounds of chicken.

Check: 0.4 is less than half a pound, so 9 plates should use less than 9 \times 0.5, which is 4.5 pounds. And 3.6 is less than 4.5.

Example 2

A big pot of beans

Maximo cooks 3.7 pounds of beans for each of 4 days. How many pounds does he cook in all?

Solution

The total is 4 \times 3.7. Write 3.7 as 37 tenths:

4 \times 37 \text{ tenths} = 148 \text{ tenths} = 14.8

since 140 tenths are 14 ones and 8 tenths are left.

Using the distributive property instead, split 3.7 into 3 + 0.7:

4 \times 3.7 = 4 \times 3 + 4 \times 0.7 = 12 + 2.8 = 14.8

Both ways give 14.8 pounds.

Check: 3.7 is close to 4, so the total is close to 4 \times 4 = 16 pounds. 14.8 is close to 16, and a little less, as it should be since 3.7 is a little less than 4.

Example 3

Three cups of horchata

Horchata costs 1.45 dollars a cup. Darshan buys 3 cups. Use an area model to find the cost.

Solution

The cost is 3 \times 1.45. Split 1.45 by place value into 1 + 0.4 + 0.05, and draw a rectangle 3 tall with those three widths. Each part is a small product:

\begin{aligned} 3 \times 1 &= 3 \\ 3 \times 0.4 &= 1.2 \\ 3 \times 0.05 &= 0.15 \end{aligned}

The middle line is 3 \times 4 tenths = 12 tenths = 1.2. The last line is 3 \times 5 hundredths = 15 hundredths = 0.15. Add the three parts with the points lined up:

3 + 1.2 + 0.15 = 4.35

Darshan pays 4.35 dollars.

Check: in cents, 3 \times 145 = 435 cents, which is 4.35 dollars.

Example 4

Six plates of nachos

Nachos cost 3.79 dollars a plate. A family orders 6 plates. Find the cost with the column method.

Solution

Line up 6 under the right end of 3.79 and multiply each digit by 6, starting at the right:

PlaceMultiplyWriteCarry
hundredths6 \times 9 = 5445 tenths
tenths6 \times 7 + 5 = 4774 ones
ones6 \times 3 + 4 = 2222none
\begin{array}{r} 3.79 \\ \times\ \ \ \ 6 \\ \hline 22.74 \end{array}

The first factor ends in hundredths, and hundredths times 6 are hundredths, so the product also has two places after the point: 22.74. The nachos cost 22.74 dollars.

Check: 3.79 is close to 4, and 6 \times 4 = 24. The answer 22.74 is close to 24, while 2.274 and 227.4 are nowhere near it.

Example 5

Rice by the tray

Each tray of rice holds 0.85 pound. How much rice is in 7 trays? Find 0.85 \times 7, and use an estimate to place the point.

Solution

By the commutative property, 0.85 \times 7 = 7 \times 0.85, so this is 7 groups of 85 hundredths:

7 \times 85 \text{ hundredths} = 595 \text{ hundredths} = 5.95

In columns, 7 \times 5 = 35, write 5 and carry 3 tenths; then 7 \times 8 + 3 = 59, write 9 and carry 5 ones; there are no ones in 0.85, so the 5 is written as the ones digit. The digits are 595.

Now the estimate. 0.85 is a little less than 1, so 7 trays hold a little less than 7 pounds. Of 0.595, 5.95 and 59.5, only 5.95 is a little less than 7. The trays hold 5.95 pounds.

Example 6

Cheese for twenty-five orders

Each order of quesadillas gets 0.36 pound of cheese. How much cheese do 25 orders need?

Solution

The amount is 25 \times 0.36. The whole number has two digits, so multiply 36 by 25 with one partial product for each digit of 25:

\begin{aligned} 36 \times 5 &= 180 \\ 36 \times 20 &= 720 \\ 180 + 720 &= 900 \end{aligned}

So 25 \times 36 hundredths = 900 hundredths. Place the point first: 900 hundredths is 9.00. Only then drop the zeros after the point, which add nothing:

25 \times 0.36 = 9.00 = 9

The orders need 9 pounds of cheese.

Check: 0.36 is a little less than 0.4, and 25 \times 0.4 = 100 tenths = 10. So the answer should be a little less than 10, and 9 is.

Example 7

A lunch order for the office

Darshan picks up lunch for his office: 12 tacos at 2.75 dollars each and 12 drinks at 1.50 dollars each. He pays with three twenty-dollar bills. How much change does he get?

Solution

The tacos cost 12 \times 2.75. Multiply 275 \times 12: the partial products are 275 \times 2 = 550 and 275 \times 10 = 2750, which add to 3300. That is 3300 hundredths, so the tacos cost 33.00 dollars.

The drinks cost 12 \times 1.50 = 12 \times 150 hundredths = 1800 hundredths = 18.00 dollars.

The total is 33.00 + 18.00 = 51.00 dollars.

There is a shorter way. Every taco comes with a drink, so the order is 12 copies of one taco and one drink, which cost 2.75 + 1.50 = 4.25 dollars together. By the distributive property,

12 \times 2.75 + 12 \times 1.50 = 12 \times 4.25 = 51.00

since 425 \times 12 = 5100 hundredths.

Three twenty-dollar bills are 60 dollars, so the change is

60.00 - 51.00 = 9.00

Darshan gets 9.00 dollars back.

Check: the tacos are close to 12 \times 3 = 36 dollars and the drinks close to 12 \times 1.5 = 18, about 54 in all. The exact total, 51.00, is close to that.

Boundaries

  • The whole number may be any whole number, including 0. Whole numbers are 0, 1, 2, 3 and so on. Zero groups of anything is nothing, so 0 \times 2.65 = 0. One group is the number itself, so 1 \times 2.65 = 2.65.
  • The point rule here is for a decimal times a whole number. The product has as many places after the point as the decimal factor, because the whole number only counts groups. When both factors have digits after the point, as in 0.3 \times 0.4, tenths times tenths are not tenths, and the rule changes. That case is the next lesson.
  • Drop zeros only after the point is placed, and only after the point. 10.60 = 10.6, but 1060 hundredths is not 106 hundredths, and the zero in 10 cannot go.
  • Money keeps two places. 10.6 and 10.60 are the same number, but a price is written to the cent, 10.60 dollars.
  • An estimate checks the point, not every digit. 4 \times 2.65 = 10.70 would pass the estimate “about 12” and still be wrong. The column method, or the count of hundredths, finds the digits; the estimate only guards the place of the point.

Where this goes next

Every product in this lesson has one whole number factor. The next lesson, Where the point goes in a product, lets both factors carry a point, such as 0.3 \times 0.4 or 2.6 \times 1.5, and explains how many places the product gets then. Later, Multiplying multi-digit decimals with the standard algorithm runs the column method on longer decimals of both kinds.

Price times quantity, weight per order times orders, and distance per lap times laps come back again and again in Decimal problems in words. And the same move, a decimal times a number, is how a percent of an amount is found in Finding a percent of a quantity and how the distance around a circle is found in Circumference.

Exercises

Exercises 1 to 8 go with Part 1, 9 to 16 with Part 2, and 17 to 22 with Part 3. The reasoning group draws on all three.

Part 1: tenths times a whole number

  1. Count tenths to find each product: (a) 3 \times 0.2, (b) 5 \times 0.7, (c) 9 \times 0.8.
  2. Write 4 \times 0.9 as a repeated addition, then find the product.
  3. Find each product: (a) 2 \times 3.4, (b) 6 \times 1.3, (c) 7 \times 2.5.
  4. How many tenths are 8 groups of 0.7? Write the product as a decimal.
  5. Shuyi puts 0.3 pound of beans in each taco bowl. How many pounds of beans go into 7 bowls?
  6. Maximo chops 1.6 pounds of onions each day for 5 days. How many pounds does he chop in all?
  7. Use the distributive property to find 6 \times 4.3, splitting 4.3 into 4 + 0.3.
  8. What whole number times 0.6 gives 4.8? Explain using tenths.

Part 2: hundredths times a whole number

  1. Find each product: (a) 3 \times 0.21, (b) 4 \times 0.16, (c) 2 \times 0.38.
  2. Use an area model to find 3 \times 2.14. Write the three small products.
  3. Use the column method to find 5 \times 1.63.
  4. Use the column method to find 7 \times 4.08.
  5. Darshan buys 3 tacos at 2.95 dollars each. How much does he pay?
  6. Each taco gets 0.06 pound of salsa. How much salsa do 9 tacos get?
  7. A family buys 4 burritos at 5.69 dollars each. What is the cost?
  8. The truck buys 8 sacks of onions at 12.35 dollars a sack. What is the cost?

Part 3: either order, estimating, and zeros at the end

  1. Estimate 0.92 \times 6, then find the exact product.
  2. The digits of 7 \times 3.18 are 2226. Use an estimate to place the point.
  3. Find each product, then write it without zeros at the end: (a) 5 \times 0.62, (b) 4 \times 0.75, (c) 6 \times 1.15.
  4. Each order of tacos uses 0.4 pound of tortillas. How many pounds do 15 orders use?
  5. On Monday the truck sold 23 fish tacos at 2.25 dollars each. Estimate the money taken in, then find it exactly.
  6. Shuyi buys 3 pounds of cheese at 4.29 dollars a pound and 2 bags of tortillas at 3.15 dollars a bag. She pays with a twenty-dollar bill. How much change does she get?

Reasoning

  1. Explain why 3 \times 0.4 is 1.2 and not 0.12.
  2. Maximo multiplies 6 \times 0.35, gets the digits 210, and writes 21.0. Use an estimate to show the point is in the wrong place, then give the right product in its simplest form.
  3. Explain why 8 \times 0.9 is less than 8. Then find it to check.
Answers
  1. (a) 0.6: 3 \times 2 tenths = 6 tenths. (b) 3.5: 35 tenths. (c) 7.2: 72 tenths.
  2. 0.9 + 0.9 + 0.9 + 0.9 = 3.6. As tenths, 4 \times 9 = 36 tenths.
  3. (a) 6.8: 2 \times 34 tenths = 68 tenths. (b) 7.8: 6 \times 13 = 78 tenths. (c) 17.5: 7 \times 25 = 175 tenths.
  4. 56 tenths, which is 5.6: 50 tenths are 5 ones, with 6 tenths left.
  5. 2.1 pounds. 7 \times 3 tenths = 21 tenths.
  6. 8 pounds. 5 \times 16 tenths = 80 tenths = 8.0 = 8.
  7. 25.8. 6 \times 4 = 24 and 6 \times 0.3 = 1.8, and 24 + 1.8 = 25.8.
  8. 8. 4.8 is 48 tenths and 0.6 is 6 tenths, and 8 \times 6 = 48.
  9. (a) 0.63: 3 \times 21 hundredths. (b) 0.64: 4 \times 16 = 64 hundredths. (c) 0.76: 2 \times 38 = 76 hundredths.
  10. 6.42. The small products are 3 \times 2 = 6, 3 \times 0.1 = 0.3 and 3 \times 0.04 = 0.12, and 6 + 0.3 + 0.12 = 6.42.
  11. 8.15. 5 \times 3 = 15, write 5 carry 1; 5 \times 6 + 1 = 31, write 1 carry 3; 5 \times 1 + 3 = 8.
  12. 28.56. 7 \times 8 = 56, write 6 carry 5; 7 \times 0 + 5 = 5; 7 \times 4 = 28.
  13. 8.85 dollars. 3 \times 295 = 885 cents.
  14. 0.54 pound. 9 \times 6 hundredths = 54 hundredths.
  15. 22.76 dollars. 4 \times 569 = 2276 hundredths.
  16. 98.80 dollars. 8 \times 1235 = 9880 hundredths. Check: about 8 \times 12 = 96.
  17. About 6, since 0.92 is close to 1. Exactly 5.52: 6 \times 92 = 552 hundredths.
  18. 22.26. 3.18 is close to 3, and 7 \times 3 = 21; only 22.26 is close to 21.
  19. (a) 3.10 = 3.1. (b) 3.00 = 3. (c) 6.90 = 6.9.
  20. 6 pounds. 15 \times 4 tenths = 60 tenths = 6.0 = 6.
  21. About 25 \times 2 = 50 dollars. Exactly 51.75 dollars: 225 \times 3 = 675 and 225 \times 20 = 4500, so 225 \times 23 = 5175 hundredths.
  22. 0.83 dollars. Cheese 3 \times 4.29 = 12.87, tortillas 2 \times 3.15 = 6.30, total 12.87 + 6.30 = 19.17, and 20.00 - 19.17 = 0.83.
  23. 0.4 is 4 tenths, and 3 \times 4 tenths = 12 tenths. Twelve tenths are 1 one and 2 tenths, which is 1.2. The answer 0.12 would be 12 hundredths, ten times too small. An estimate agrees: 3 groups of almost half are more than 1.
  24. 0.35 is less than 0.5, so 6 \times 0.35 is less than 6 \times 0.5 = 3, and 21.0 is far too big. The digits 210 count hundredths, so the product is 2.10 = 2.1.
  25. 0.9 is less than 1, so 8 groups of 0.9 are less than 8 groups of 1, which is 8. Exactly, 8 \times 9 tenths = 72 tenths = 7.2, which is less than 8.
kg1128 · updated 2026-10-20 · CC-BY-SA-4.0