BrightChamps Logo
Login
Creative Math Ideas Image
Live Math Learners Count Icon104 Learners

Last updated on July 5th, 2025

Math Whiteboard Illustration

Subtraction With Regrouping

Professor Greenline Explaining Math Concepts

In subtraction, when the top digit of the number in a column is smaller than the bottom digit of the number, regrouping is done. This method is also known as borrowing or trading, which helps students solve subtraction problems more easily. When the minuend (the number being subtracted from) has a smaller digit than the subtrahend (the number being subtracted), this technique is used. Imagine you have 41 candies and need to subtract 26 candies. Let us start with one place: 1 is smaller than 6, so you can’t subtract 6 from 1. We use the regrouping here. Borrow 1 ten from the tens place, turning the 4 into 3, and add 10 to the 1 in the ones place, making it 11. Now, subtract 6 from 11: 11 - 6 = 5 Then, subtract the numbers from the tens' column. 3 - 2 = 1 Thus, 41 - 26 = 15.

Subtraction With Regrouping for Singaporean Students
Professor Greenline from BrightChamps

What is subtraction?

Subtraction is a fundamental mathematical operation used to determine the difference between two numbers. It shows how much is left when one amount is taken away from another. The minus sign (-) represents subtraction. For instance, if you have 15 balloons and 6 float away, subtraction helps you figure out how many balloons remain: 15 – 6 = 9

Professor Greenline from BrightChamps

What is Subtraction with Regrouping?

Subtraction with regrouping is used to find the difference between two or more large numbers by arranging them vertically. In this method, we borrow 1 from the next highest place value if the minuend is smaller than the subtrahend. Regrouping, also known as borrowing, is the process of forming groups of ten while adding or subtracting two-digit numbers (or more). When the bottom number is greater than the top number, we subtract values place by place.


Subtraction with regrouping is useful in our daily life, such as when we are dealing with money like shopping, measuring time, or calculating distance. The essential terms related to the subtraction process are:

 

  • Minuend: It is the number from which another number is subtracted. 

 

  • Subtrahend: Number which is subtracted from the minuend.

 

  • Difference: The result obtained by subtracting the minuend from the subtrahend.


That is, Minuend - Subtrahend = Difference
 

Professor Greenline from BrightChamps

Subtraction With Regrouping Steps

In subtraction, when the subtrahend is greater than the corresponding digit in the minuend, we use the regrouping method to find the difference. Here are the certain steps we must follow when performing subtraction with borrowing:


Step 1: Vertically arrange the numerals based on their place value. 


Step 2:  At one's place, begin subtracting the numbers. We borrow 1 from the tens place and add it to the number at the one's place if the bottom number is greater than the top number. 


Step 3: After borrowing 1 from the tens place, the value in that place decreases by one. Add 10 to the one place, then subtract.


Step 4: If needed, repeat the borrowing process for the remaining numbers. Borrow from each place value and subtract it from right to left.  


Step 5: To find the final difference, subtract all the digits and write the answer.
 

Professor Greenline from BrightChamps

2-Digit Subtraction With Regrouping Steps

Ones and tens are the place values for two-digit numerals. For a better understanding, let’s examine an example and solve it together with the stages. Subtract 29 from 75.


Step 1: Write the numbers vertically according to their place value. Arrange the larger number on the top and the smaller number below. Thus, 75 will be on top and 29 will be below. 

Step 2: We start the subtraction from the one's place. Since the digit in the one's place (5) is less than 9, we borrow 1 ten from the tens place (7), and it turns to 6. 


Step 3: The borrowed 1 turns 5 into 15. 
Now, subtract them:
15 – 9 = 6 as a result.

Step 4: Move to the tens place after subtracting the ones place. 
Here, we subtract 2 from 6.
  6 - 2 = 4. 

Therefore, 75 - 29 = 46.
 

Professor Greenline from BrightChamps

3-Digit Subtraction With Regrouping Steps

Three-digit subtraction with regrouping follows the same method as one-digit and two-digit subtraction. In a three-digit number, the place values are hundreds, tens, and ones. Let’s go through an example to understand it better. Subtract 248 from 562.


Step 1: According to the place values, numbers are arranged, placing the greater number on top. In this case, 562 is on top, and 248 is below it. The digits are aligned as follows. So, 2 and 8 are in the ones place, 6 and 4 are in the tens place, and 5 and 2 are in the hundreds place. 

Step 2: As 2 is smaller than 8, we borrow 1 from the tens place (which is 6), reducing it to 5.  
 

Step 3: The 1 that is borrowed makes 2 become 12. Hence, 12 – 8 = 4.
 

Step 4: Follow Step 2 again with the tens and hundreds place values by borrowing 1. The 5 in the tens place reduces to 4, and the 4 in the ones place becomes 14. Now, subtract all the numbers to find the difference. 

Hence, the difference between 562 and 248 is 314.


 

Professor Greenline from BrightChamps

4-Digit Subtraction With Regrouping Steps

Subtraction of 4-digit numbers with regrouping is done in the same way as with 1-digit, 2-digit, and 3-digit numbers. Since this involves 4 digits, the place values are thousands, hundreds, tens, and ones. Let’s look at an example: Subtract 4529 from 7384.


Step 1: Arrange the numbers according to their place values. Start by subtracting the digits in the one's place. Since 9 is greater than 4, we borrow 1 from the tens place, making it 14; then 14 – 9 = 5.


Step 2: Since we borrowed 1 in the previous step, the 8 in the tens place is reduced to 7. Now, subtract the digits in the tens place (7 – 2). Since 2 is smaller than 7, no borrowing is needed. So, 7 – 2 = 5 tens.


Step 3: Subtract the digits in the hundreds place (3 – 5). Since 5 is greater than 3, we borrow 1 from the thousand's place, making it 13. Now, 13 – 5 = 8 hundreds. 


Step 4: After borrowing 1 in the previous step, the 7 in the thousands place becomes 6. Now, subtract the thousands place digits: 6 – 4 = 2 thousands. 

Therefore, the difference between the two given numbers is 7384 – 4529 = 2855.
 

Professor Greenline from BrightChamps

Subtraction of Decimals with Regrouping Steps

To solve subtraction of decimals with regrouping, follow these steps:

Step 1: Align the numbers according to their place values, ensuring the decimal points are in the line.


Step 2: If the decimal numbers have different lengths, add zeros where necessary to make them equal in length.


Step 3: Subtract the decimal numbers using the same steps as regular subtraction, applying regrouping if needed. 


For example: Subtract 42.68 from 75.3
 

Max Pointing Out Common Math Mistakes

Common Mistakes of Subtraction with Regrouping and How to Avoid Them

When performing subtraction with regrouping, students often make common mistakes that can lead to incorrect answers. By understanding these errors and learning how to avoid them, subtraction can become much easier and more accurate. Here are five common mistakes and their solutions:
 

Mistake 1

Red Cross Icon Indicating Mistakes to Avoid in This Math Topic

 Forgetting to Regroup

Green Checkmark Icon Indicating Correct Solutions in This Math Topic

Before subtracting, always check each column. If the top digit is smaller than the corresponding bottom number, borrow from the next higher place value.
 

Mistake 2

Red Cross Icon Indicating Mistakes to Avoid in This Math Topic

Borrowing Incorrectly

Green Checkmark Icon Indicating Correct Solutions in This Math Topic

Before moving to the next column, identify the new values after borrowing and cross-check each step.
 

Mistake 3

Red Cross Icon Indicating Mistakes to Avoid in This Math Topic

Misaligning Place Values

Green Checkmark Icon Indicating Correct Solutions in This Math Topic

When dealing with decimals, write the numbers in a column style, and make sure place values, such as ones, tens, and hundreds are lined up correctly.

Mistake 4

Red Cross Icon Indicating Mistakes to Avoid in This Math Topic

 Borrowing from a Zero

Green Checkmark Icon Indicating Correct Solutions in This Math Topic

 Look at each column separately, and if you need to borrow from a zero, move to the next higher place value. After borrowing, adjust the values correctly, and remember that the zero becomes 10.  

For example, 108 - 69 = 39
After borrowing: 18 - 9 = 9
9 - 6 = 3
Thus, the final answer is 39. 
 

Mistake 5

Red Cross Icon Indicating Mistakes to Avoid in This Math Topic

Forgetting to Check the Answer

Green Checkmark Icon Indicating Correct Solutions in This Math Topic

After solving, students can check if the answer is correct by adding the difference to the subtracted number. If the result matches the original larger number, then it is correct. 

arrow-right
Professor Greenline from BrightChamps

Real-Life Applications of Subtraction with Regrouping

Subtraction with regrouping is used in many real-life situations. Here are a few examples:


Shopping and Budgeting: Imagine you have $50, and you buy groceries worth $38.75. To find out how much money you have left, you subtract:


    $50.00 – $38.75 = $11.25


Since 0 is smaller than 5 in the hundredths place, you need to regroup before subtracting. 


Time Calculation: If a train leaves at 10:45 AM and halts for 2 hours and 50 minutes, subtract the halt duration to find the arrival time:


    10:45 AM – 2 hours 50 minutes = 7:55 AM


Here, regrouping is needed, since 45 minutes is smaller than 50 minutes.


Cooking and Measurements: If a recipe requires 2.5 cups of flour, but you only have 1.75 cups, you subtract to find how much more you need:


2.50 – 1.75 = 0.75 cups 


Regrouping is needed when subtracting decimals.
 

Max from BrightChamps Saying "Hey"

Solved Examples for Subtraction with Regrouping

Ray, the Character from BrightChamps Explaining Math Concepts
Max, the Girl Character from BrightChamps

Problem 1

Subtract 47 from 82.

Ray, the Boy Character from BrightChamps Saying "Let’s Begin"

82 - 47 = 35

Explanation

Start with the ones place: 2 – 7 is not possible, so we borrow 1 from the tens place, making it 12 – 7 = 5.


The ten place now has 7 instead of 8. Subtract 7 – 4 = 3.
So, the final answer is 35.
 

Max from BrightChamps Praising Clear Math Explanations
Max, the Girl Character from BrightChamps

Problem 2

Subtract 384 from 602.

Ray, the Boy Character from BrightChamps Saying "Let’s Begin"

602 – 384 = 218.

Explanation

 In the ones place, 2 – 4 is not possible, so we borrow 1 from the tens place. Since the tens place has 0, we borrow from the hundreds place.


The hundreds place changes from 6 to 5, the tens place becomes 9, and the ones place becomes 12. 


Now, subtract 12 – 4 = 8, 9 – 8 = 1, 5 – 3 = 2.


The final answer is 218. 
 

Max from BrightChamps Praising Clear Math Explanations
Max, the Girl Character from BrightChamps

Problem 3

Subtract 15.6 from 42.3.

Ray, the Boy Character from BrightChamps Saying "Let’s Begin"

42.3 – 15.6 = 26.7

Explanation

 Align the decimal points.


In the tenth place, 3 – 6 is not possible, so borrow from the one's place, making it 13 – 6 = 7.


Subtract the ones: 1 (borrowed) from 42 makes it 3, so 3 – 5 is not possible. Borrow from the tens place to make it 13 – 5 = 8. 


Subtract the tens: 3 – 1 = 2.


The final answer is 26.7.
 

Max from BrightChamps Praising Clear Math Explanations
Max, the Girl Character from BrightChamps

Problem 4

If a movie ends at 10:40 PM and lasts 2 hours and 55 minutes, what time did it start?

Ray, the Boy Character from BrightChamps Saying "Let’s Begin"

 The movie started at 7:45 PM.

Explanation

Subtracting 55 minutes from 40 minutes is not possible, so borrow 1 hour from 10.00 PM to make it 60 minutes.
Now, 60 minutes + 40 minutes  = 100 minutes.
Hence, 40 minutes turns into 100 minutes. 


Now, subtract 55 minutes from 100 minutes.


100 – 55 = 45 minutes


Since 1 is borrowed from 10.00 PM, it turns into 9.00 PM. 
Next, subtract the hours:
9:00 PM – 2 hours = 7:00 PM


The movie started at 7:45 PM.


 

Max from BrightChamps Praising Clear Math Explanations
Max, the Girl Character from BrightChamps

Problem 5

You had $100, and you spent $64.75. How much do you have left?

Ray, the Boy Character from BrightChamps Saying "Let’s Begin"

 $100.00 – $64.75 = $35.25

Explanation

Align the decimal points


In the hundredths place, 0 – 5 is not possible, so borrow from the tenths place.
Since the tenth place is also 0, borrow from the one's place (100 becomes 99, and the last zero becomes 10).


Subtract 10 – 5 = 5, 9 – 7 = 2, 9 – 4 = 5, and 9 – 6 = 3.


The final answer is $35.25.
 

Max from BrightChamps Praising Clear Math Explanations
Math Teacher Background Image
Math Teacher Image

Hiralee Lalitkumar Makwana

About the Author

Hiralee Lalitkumar Makwana has almost two years of teaching experience. She is a number ninja as she loves numbers. Her interest in numbers can be seen in the way she cracks math puzzles and hidden patterns.

Max, the Girl Character from BrightChamps

Fun Fact

: She loves to read number jokes and games.

INDONESIA - Axa Tower 45th floor, JL prof. Dr Satrio Kav. 18, Kel. Karet Kuningan, Kec. Setiabudi, Kota Adm. Jakarta Selatan, Prov. DKI Jakarta
INDIA - H.No. 8-2-699/1, SyNo. 346, Rd No. 12, Banjara Hills, Hyderabad, Telangana - 500034
SINGAPORE - 60 Paya Lebar Road #05-16, Paya Lebar Square, Singapore (409051)
USA - 251, Little Falls Drive, Wilmington, Delaware 19808
VIETNAM (Office 1) - Hung Vuong Building, 670 Ba Thang Hai, ward 14, district 10, Ho Chi Minh City
VIETNAM (Office 2) - 143 Nguyễn Thị Thập, Khu đô thị Him Lam, Quận 7, Thành phố Hồ Chí Minh 700000, Vietnam
Dubai - BrightChamps, 8W building 5th Floor, DAFZ, Dubai, United Arab Emirates
UK - Ground floor, Redwood House, Brotherswood Court, Almondsbury Business Park, Bristol, BS32 4QW, United Kingdom