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3.3 Multiplication & Division of Decimals

Key Takeaways

  • When multiplying decimals, multiply numbers as whole numbers ignoring decimal points initially, then place the decimal point in the product so it has total decimal places equal to the sum of decimal places in both factors.

  • If a multiplication product has fewer digits than required decimal places, annex leading zeros immediately to the left of the product digits before placing the decimal point.

  • When dividing a decimal by a whole number, place the quotient decimal point directly above the dividend decimal point and perform long division.

  • When dividing by a decimal divisor, shift the decimal point to the right in both divisor and dividend by equal places until the divisor becomes a whole number.

  • Decimal division produces either a terminating decimal (remainder 0) or a repeating decimal (indicated with bar notation or rounded to a specified place value).

Last updated: August 2026

3.3 Multiplication & Division of Decimals

Multiplying and dividing decimals are foundational operations on the ACCUPLACER Arithmetic test. Unlike addition and subtraction, multiplication does not require aligning decimal points before calculating. Division, on the other hand, requires transforming decimal divisors into whole numbers before executing standard long division.


Multiplication of Decimals

To multiply decimal numbers, execute standard integer multiplication, then position the decimal point in the product based on place value summation.

The Standard Decimal Multiplication Algorithm

  1. Ignore Decimal Points Initially: Align the factors by their rightmost digits, ignoring decimal points.
  2. Multiply as Whole Numbers: Compute the product using standard whole-number multiplication algorithms.
  3. Count Factor Decimal Places: Count the number of digits to the right of the decimal point in both factors and sum them together.
  4. Place the Decimal Point: Starting from the rightmost digit of the product, move left the total number of places calculated in Step 3 and insert the decimal point.
  5. Annex Leading Zeros if Necessary: If the product contains fewer digits than the required decimal places, insert zeros to the left of the product digits before placing the decimal point.

Multiplication Decimal Place Reference Table

Factor 1Decimal PlacesFactor 2Decimal PlacesSum of PlacesRaw ProductFinal Decimal Product
3.43.411.21.211+1=21 + 1 = 24084084.084.08
0.450.4520.80.812+1=32 + 1 = 33603600.360=0.360.360 = 0.36
0.1250.12530.040.0423+2=53 + 2 = 55005000.00500=0.0050.00500 = 0.005
0.0060.00630.0070.00733+3=63 + 3 = 642420.0000420.000042

Step-by-Step Worked Multiplication Examples

Example 1: Standard Decimal Multiplication

Multiply 3.45 by 2.8.

  • Step 1: Count decimal places in factors:

    • 3.453.45 has 2 decimal places.
    • 2.82.8 has 1 decimal place.
    • Total required decimal places = 2+1=32 + 1 = \mathbf{3}.
  • Step 2: Multiply whole numbers 345×28345 \times 28:

    345×282760+69009660\begin{array}{r} 345 \\ \times 28 \\ \hline 2760 \\ + 6900 \\ \hline \mathbf{9660} \end{array}
  • Step 3: Place decimal point 3 positions from the right:

    • 9660→9.660=9.669660 \rightarrow \mathbf{9.660} = \mathbf{9.66}

Example 2: Annexing Leading Zeros in Product

Multiply 0.042 by 0.15.

  • Factor decimal places: 0.0420.042 (3 places) + 0.150.15 (2 places) = 5 total decimal places.
  • Multiply whole numbers: 42×15=63042 \times 15 = 630.
  • Since 630630 has only 3 digits, annex 2 leading zeros to reach 5 places:
    • 630→0.00630=0.0063630 \rightarrow \mathbf{0.00630} = \mathbf{0.0063}

Division of Decimals

Decimal division falls into two structural categories: dividing a decimal by a whole number, and dividing a decimal by another decimal.

Case 1: Dividing a Decimal by a Whole Number

When the divisor is already a whole number, division is straightforward:

  1. Place the decimal point in the quotient area directly above the decimal point in the dividend.
  2. Divide as you would with whole numbers.

Worked Example: 18.36÷618.36 \div 6

  • Set up long division: 6)18.36‾6 \overline{) 18.36}.
  • Place decimal point in quotient directly above: 6)18.36‾→Quotient decimal is 3.__6 \overline{) 18.36} \rightarrow \text{Quotient decimal is } 3.\text{\_\_}.
  • Execute division: 18÷6=318 \div 6 = 3, bring down 3 (3<6→03 < 6 \rightarrow 0), bring down 6 (36÷6=636 \div 6 = 6).
  • Quotient: 3.06

Case 2: Dividing by a Decimal Divisor

When the divisor contains a decimal point, you cannot divide directly. You must transform the divisor into a whole number using the fundamental property of fractions (multiplying divisor and dividend by equal powers of 10).

The Divisor Transformation Rule

  1. Count Divisor Decimal Places: Determine how many places the decimal point must shift to the right to make the divisor a whole number.
  2. Shift Dividend Decimal Point: Shift the decimal point in the dividend to the right by the exact same number of places. Annex trailing zeros to the dividend if necessary.
  3. Place Quotient Decimal Point: Place the decimal point in the quotient directly above the new position of the dividend decimal point.
  4. Divide: Perform long division.

Step-by-Step Worked Division Examples

Example 1: Standard Decimal Division

Evaluate 15.12 ÷ 0.36.

  • Step 1: Divisor is 0.360.36. Move decimal 2 places right to make it 3636.
  • Step 2: Dividend is 15.1215.12. Move decimal 2 places right to make it 15121512.
  • Step 3: Problem transforms into whole number division: 1512 ÷ 36.
  • Step 4: Perform long division: 4236)1512‾−144072−720\begin{array}{r} 42 \\ 36 \overline{) 1512} \\ - 144\phantom{0} \\ \hline 72 \\ - 72 \\ \hline 0 \end{array}
  • Quotient: 42

Example 2: Annexing Zeros in Dividend During Division

Evaluate 9.1 ÷ 0.014.

  • Divisor 0.0140.014 requires shifting decimal 3 places right to become 14.
  • Dividend 9.19.1 shifted 3 places right becomes 9100 (annexing two zeros).
  • Transform problem to 9100 ÷ 14: 9100÷14=6509100 \div 14 = 650
  • Quotient: 650

Terminating vs. Repeating Decimals & Quotient Rounding

When dividing numbers, the division process will produce either a terminating decimal or a repeating decimal.

  • Terminating Decimal: Division reaches a remainder of zero (e.g., 38=0.375\frac{3}{8} = 0.375).
  • Repeating Decimal: Division enters an infinite loop of repeating remainders (e.g., 511=0.454545...\frac{5}{11} = 0.454545...). A repeating digit block is written with an overbar: 0.45‾0.\overline{45}.

Rounding Division Quotients

If an ACCUPLACER question requests a quotient rounded to a specific place value (e.g., nearest hundredth), carry the long division out to one extra decimal place (thousandths), then apply standard rounding rules.

Worked Rounding Division Example

Divide 7 by 11, rounded to the nearest hundredth.

  • Perform long division to thousandths place: 7÷11=0.6363...7 \div 11 = 0.6363...
  • Thousandths digit is 6 (the test digit for rounding hundredths).
  • Since 6≥56 \ge 5, round hundredths digit 3 up to 4.
  • Rounded Quotient: 0.64

ACCUPLACER Exam Traps & Common Errors

Warning

Trap 1: Aligning Decimal Points in Multiplication Aligning decimal points vertically when setting up multiplication is unnecessary and leads to calculation errors. Only line up rightmost digits when multiplying.

Warning

Trap 2: Unequal Decimal Point Shifts in Division If you shift the divisor decimal point 2 places right, you MUST shift the dividend decimal point 2 places right. Shifting 4.2÷0.074.2 \div 0.07 into 4.2÷7=0.64.2 \div 7 = 0.6 instead of 420÷7=60420 \div 7 = 60 is a frequent mistake.

Warning

Trap 3: Dropping Trailing Zeros Before Counting Decimal Places In 0.25×0.40.25 \times 0.4, raw product is 100100. With 2+1=32 + 1 = 3 decimal places, the result is 0.100=0.10.100 = 0.1. If you drop the zero from 0.40.4 prior to counting places, you will misplace the decimal point.

Test Your Knowledge

What is the product of 0.034 and 0.25?

A

0.0085

B

0.085

C

0.85

D

0.00085

Test Your Knowledge

Evaluate 15.12 ÷ 0.36.

A

4.2

B

42

C

420

D

0.42

Test Your Knowledge

What is the quotient of 9.6 ÷ 0.015?

A

64

B

6400

C

640

D

6.4

Test Your Knowledge

When dividing 5 by 7, what is the quotient rounded to the nearest hundredth?

A

0.70

B

0.72

C

0.73

D

0.71

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