Class 3 Money Worksheet — Free PDF with Answers

Money is one of the most practical topics in the entire primary maths curriculum. Every child interacts with money — buying snacks at the school canteen, saving pocket money, or watching a parent pay at a shop. Class 3 takes this everyday experience and turns it into structured mathematical learning.

The CBSE NCERT syllabus for Class 3 expects children to understand the relationship between rupees and paise ($1$ rupee $= 100$ paise), convert between the two, add and subtract amounts of money, calculate the total cost of multiple items, and work out the change received after a purchase. These skills combine place value, addition, subtraction, and even multiplication in a real-world context.

A well-designed class 3 money worksheet gives your child the practice they need to handle money problems confidently. The worksheet in this article contains 60 questions across three levels, each with a detailed answer key so that parents can check work at home.

In the sections below, we cover the key concepts, question types, sample problems, common mistakes, tips for parents, and how SparkEd can support your child's learning.

Here are the core ideas covered in the Class 3 money chapter:

* Rupees and paise — $1$ rupee $= 100$ paise. Amounts are written as Rs $5.50$ or Rs $5$ and $50$ paise.

* Identifying coins and notes — Recognising coins of $1$, $2$, $5$, and $10$ rupees, and notes of $10$, $20$, $50$, $100$, $200$, and $500$ rupees.

* Writing money amounts — Rs $23.75$ means $23$ rupees and $75$ paise. Children learn to read and write amounts using the decimal point.

* Addition of money — Adding two or more amounts, aligning rupees under rupees and paise under paise. For example, Rs $15.50 +$ Rs $8.75 =$ Rs $24.25$.

* Subtraction of money — Finding the difference between two amounts, including borrowing from rupees to paise. For example, Rs $50.00 -$ Rs $23.40 =$ Rs $26.60$.

* Making change — If an item costs Rs $37$ and you pay with a Rs $50$ note, the change is Rs $50 - 37 = 13$.

* Total cost — If one pen costs Rs $8$ and you buy $5$ pens, the total cost is $5 \times 8 =$ Rs $40$. This connects to multiplication.

* Reading bills and price lists — Understanding a simple shop bill that shows item, quantity, rate, and total.

The 60 questions in this worksheet include:

* Conversion — Convert Rs $7.35$ to paise. (Answer: $735$ paise.)
* Addition of money — Rs $14.80 +$ Rs $9.65 =$ ____.
* Subtraction of money — Rs $100.00 -$ Rs $56.25 =$ ____.
* Making change — You buy a toy for Rs $45$. You pay Rs $100$. What is the change?
* Total cost — A notebook costs Rs $15$. How much do $4$ notebooks cost?
* Reading a bill — A bill shows $3$ items with rates and quantities. Find the total amount.
* Fill in the blank — Rs $8$ and $50$ paise $=$ Rs ____.
* Word problems — "Aman has Rs $75$. He buys a book for Rs $42.50$. How much money does he have left?"
* Compare amounts — Which is more: Rs $5.90$ or Rs $5$ and $85$ paise?

Every question comes with a detailed answer in the key.

Level 1 builds basic fluency with money notation and simple operations.

Sample questions:

1. Write in rupees and paise: $650$ paise.
Answer: Rs $6.50$ (or Rs $6$ and $50$ paise).

2. Add: Rs $12.25 +$ Rs $5.50$.
Answer: Paise: $25 + 50 = 75$. Rupees: $12 + 5 = 17$. Total: Rs $17.75$.

3. Meena buys an eraser for Rs $3$. She gives Rs $5$. How much change does she get?
Answer: Rs $5 - 3 = 2$. Change: Rs $2$.

What to expect: Level 1 avoids complex carrying and borrowing. It ensures children can read and write money amounts correctly and do simple additions and subtractions.

Level 2 introduces carrying in addition, borrowing in subtraction, and multi-item purchases.

Sample questions:

1. Add: Rs $28.75 +$ Rs $16.50$.
Answer: Paise: $75 + 50 = 125$ paise $= 1$ rupee $25$ paise. Carry $1$ rupee. Rupees: $28 + 16 + 1 = 45$. Total: Rs $45.25$.

2. Subtract: Rs $50.00 -$ Rs $32.60$.
Answer: Paise: $0 < 60$, borrow $1$ rupee ($100$ paise). $100 - 60 = 40$ paise. Rupees: $49 - 32 = 17$. Answer: Rs $17.40$.

3. A pen costs Rs $12$ and a ruler costs Rs $8.50$. What is the total cost?
Answer: Rs $12.00 +$ Rs $8.50 =$ Rs $20.50$.

What to expect: The carrying and borrowing with paise is the main new skill at this level. Children must remember that $100$ paise $= 1$ rupee when carrying over.

Level 3 features multi-step word problems, bill reading, and problems requiring both addition and subtraction.

Sample questions:

1. Ravi buys $3$ pencils at Rs $5.50$ each and $2$ erasers at Rs $3.25$ each. How much does he spend in total?
Answer: Pencils: $3 \times 5.50 =$ Rs $16.50$. Erasers: $2 \times 3.25 =$ Rs $6.50$. Total: Rs $16.50 +$ Rs $6.50 =$ Rs $23.00$.

2. Priya has Rs $200$. She buys a bag for Rs $125.75$ and a water bottle for Rs $48.50$. How much money does she have left?
Answer: Total spent $=$ Rs $125.75 +$ Rs $48.50 =$ Rs $174.25$. Money left $=$ Rs $200.00 -$ Rs $174.25 =$ Rs $25.75$.

3. A shopkeeper's bill shows: $2$ kg rice at Rs $45$ per kg, $1$ kg sugar at Rs $40$, and $500$ g tea at Rs $120$. What is the total bill?
Answer: Rice: $2 \times 45 =$ Rs $90$. Sugar: Rs $40$. Tea: Rs $120$. Total: Rs $90 + 40 + 120 =$ Rs $250$.

What to expect: Level 3 combines multiplication, addition, and subtraction of money in multi-step scenarios. These mirror real-life shopping situations and prepare children for more complex problems in Class 4.

Money problems combine several skills, so errors can creep in at multiple points:

* Misaligning rupees and paise — When adding Rs $12.50$ and Rs $8.5$, children write $8.5$ as $85$ paise instead of $50$ paise. Always write both digits of paise: Rs $8.50$, not Rs $8.5$.

* Forgetting to carry paise to rupees — In $75$ paise $+ 50$ paise $= 125$ paise, the $1$ rupee must be carried. Some children write Rs $0.125$ or ignore the carry entirely.

* Borrowing errors — Rs $50.00 -$ Rs $23.60$: children forget that $0$ paise requires borrowing $1$ rupee ($100$ paise) before subtracting.

* Not converting units — A problem states a price in paise ($350$ paise) but the child answers in paise without converting to Rs $3.50$.

* Multiplying incorrectly in total cost — When $3$ items cost Rs $12.50$ each, children compute $3 \times 12 = 36$ and $3 \times 50 = 150$ but then write Rs $36.150$ instead of Rs $37.50$. The $150$ paise must be converted to $1$ rupee $50$ paise.

Money is the easiest topic to practise in real life. Here are concrete strategies:

1. Play shop at home. Set up a pretend shop with household items and price tags. Give your child play money and let them practise buying, calculating totals, and making change.

2. Involve your child in real purchases. At a grocery store, ask your child to add up the prices of $2$-$3$ items mentally. At the billing counter, ask them to verify the change.

3. Use coins and notes for counting. Lay out coins and ask: "How many Rs $2$ coins make Rs $10$?" ($5$ coins.) This reinforces multiplication and division with money.

4. Practise bill reading. Show your child a simple restaurant or grocery bill. Ask them to check the totals. This builds a practical life skill alongside maths.

5. Print the worksheet for structured practice. The money worksheet PDF provides graded problems that move from basic notation to multi-step shopping scenarios.

6. Follow up with online practice. The SparkEd online module gives instant feedback and tracks progress so you can see which sub-skills need more attention.

7. Keep decimal notation consistent. Always write amounts with two paise digits: Rs $8.50$, not Rs $8.5$. This prevents alignment errors in addition and subtraction.

SparkEd provides free resources to make money practice engaging:

* Free Worksheet PDF — 60 questions covering conversion, addition, subtraction, total cost, change, and bill reading. Full answer key included.

* Online Practice — Interactive questions with instant feedback. The Spark Coach AI guides your child with hints when they get stuck.

* Fresh worksheets — Each download generates a new set of questions from the question bank, giving your child unlimited practice.

* CBSE NCERT aligned — Every question matches the Class 3 syllabus, so practice directly supports classroom learning and exam preparation.

All resources are free and require no registration.

Here is your action plan:

1. Download the Money Worksheet PDF — Print and work through Level 1 today.

2. Practise money online — Use for daily quick practice with real-time feedback.

3. Explore related Class 3 topics:
* Addition & Subtraction — The arithmetic that powers money calculations.
* Multiplication — Needed for total cost problems.
* Measurement — Another practical application of numbers.

Daily practice with money problems builds both mathematical fluency and a real-world life skill that your child will use every day.