By the end of this chapter you'll be able to…

  • 1Add 3- and 4-digit numbers with carrying
  • 2Subtract 3- and 4-digit numbers with borrowing
  • 3Apply properties of addition (commutative, associative, identity)
  • 4Use mental-math tricks for adding 10, 100, 1000, and 9
  • 5Solve addition and subtraction word problems
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Why this chapter matters
Adding and subtracting 3- and 4-digit numbers with carrying and borrowing is the core of everyday maths, used in money, shopping, and measurement. Children also learn properties and mental-math tricks that make calculation faster and more accurate.

Before you start — revise these

A 5-minute refresher here will save you 30 minutes of confusion below.

Addition and Subtraction

1. Addition of 3-Digit Numbers

Steps:

  1. Write numbers in COLUMNS — ones under ones, tens under tens, hundreds under hundreds.
  2. Start from the ONES place.
  3. CARRY if the sum is 10 or more.

Example 1:

Add 345 + 234

HTO
345
+2+3+4
579

Answer: 579

Example 2 (with carry):

Add 456 + 378

HTO
456
+3+7+8
1
834

Step 1: 6 + 8 = 14 → write 4, carry 1 Step 2: 5 + 7 + 1 = 13 → write 3, carry 1 Step 3: 4 + 3 + 1 = 8

Answer: 834


2. Addition of 4-Digit Numbers

Example:

Add 2,345 + 3,678

ThHTO
2345
+3+6+7+8
111
6023

Answer: 6,023


3. Properties of Addition

PropertyMeaningExample
CommutativeOrder does NOT matter15 + 25 = 25 + 15
AssociativeGrouping does NOT matter(10+20)+30 = 10+(20+30)
IdentityAdding 0 gives same number345 + 0 = 345

4. Subtraction of 3-Digit Numbers

Steps:

  1. Write numbers in COLUMNS — larger number on top.
  2. Start from the ONES place.
  3. BORROW if the top digit is smaller than the bottom digit.

Example 1:

Subtract 345 - 123

HTO
345
-1-2-3
222

Answer: 222

Example 2 (with borrowing):

Subtract 423 - 256

HTO
3→212→1113
423
-2-5-6
167

Step 1: 3 - 6 → borrow 1 from tens. 13 - 6 = 7 Step 2: 1 (was 2, now 1) - 5 → borrow 1 from hundreds. 11 - 5 = 6 Step 3: 3 (was 4, now 3) - 2 = 1

Answer: 167


5. Subtraction of 4-Digit Numbers

Example:

Subtract 5,432 - 2,678

ThHTO
412312
5432
-2-6-7-8
2754

Answer: 2,754


6. Mental Math

Adding 10, 100, or 1000:

  • 345 + 10 = 355 (increase tens by 1)
  • 345 + 100 = 445 (increase hundreds by 1)
  • 345 + 1000 = 1,345 (increase thousands by 1)

Adding 9:

  • 45 + 9 = 45 + 10 - 1 = 54
  • 167 + 9 = 167 + 10 - 1 = 176

Doubles:

  • 25 + 25 = 50
  • 125 + 125 = 250

7. Word Problems

Problem 1:

Ria has 345 stickers. Her friend gives her 234 more. How many stickers does Ria have now?

Solution: 345 + 234 = 579 stickers

Problem 2:

A school library has 567 story books and 345 science books. How many total books?

Solution: 567 + 345 = 912 books

Problem 3:

Sam has 834 marbles. He gives 256 marbles to his brother. How many marbles does Sam have left?

Solution: 834 - 256 = 578 marbles

Problem 4:

A shop had 1,500 eggs. It sold 875 eggs. How many eggs are left?

Solution: 1,500 - 875 = 625 eggs


8. Common Mistakes

  1. Not aligning by place value: 'Always write ones under ones, tens under tens. Misalignment causes wrong answers!'
  2. Forgetting to carry: 'If 7 + 5 = 12, write 2 and carry 1 to the next column. If you forget the carry, your answer will be wrong.'
  3. Borrowing incorrectly: 'When you borrow, the digit you borrow from decreases by 1. The digit you borrow for increases by 10.'
  4. Subtracting smaller from larger in the wrong order: 'Always put the LARGER number on top. 567 - 234, NOT 234 - 567.'

9. Key Facts to Remember

  • 'Add from the ONES place — always!'
  • 'Carry when the sum is 10 or more.'
  • 'Borrow when the top digit is smaller than the bottom digit.'
  • 'Addition and subtraction are OPPOSITES. Use one to check the other.'
  • 'Zero added to any number = the same number.'

10. Self-Test

Q1: Add: 456 + 378

Q2: Add: 2,345 + 1,678

Q3: Subtract: 723 - 456

Q4: Subtract: 3,456 - 1,789

Q5: Riya has 678 beads. She buys 234 more. How many does she have now?

Q6: There are 1,200 seats in a theatre. If 876 are filled, how many are empty?

Q7: Solve mentally: 567 + 100 = ?

Q8: Check: 567 - 234 = 333. Is this correct? Use addition to verify.

Answers:

A1: 834 A2: 4,023 A3: 267 A4: 1,667 A5: 678 + 234 = 912 beads A6: 1,200 - 876 = 324 seats A7: 667 A8: Check: 333 + 234 = 567. YES, it is correct.

Key formulas & results

Everything you need to memorise, in one card. Screenshot this for revision.

Carrying and borrowing
Carry when a column sum is 10 or more; borrow when the top digit is smaller
Always start from the ones place.
Check by inverse
Difference + Subtracted number = Original number
Addition and subtraction are opposites; use one to check the other.
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Common mistakes & fixes

These are the exact errors that cost students marks in board exams. Read them once, save yourself the trouble.

WATCH OUT
Not aligning digits by place value
Write ones under ones and tens under tens before calculating.
WATCH OUT
Forgetting to carry
If a column makes 12, write 2 and carry 1 to the next column.
WATCH OUT
Subtracting the smaller number from the larger within a column
Borrow from the next column instead of flipping the digits.

Practice problems

Try each one yourself before tapping "Show solution". Active recall > rereading.

Q1EASY· Add
Add 456 + 378.
Show solution
834.
Q2EASY· Subtract
Subtract 723 - 456.
Show solution
267.
Q3MEDIUM· Word Problem
A theatre has 1,200 seats. If 876 are filled, how many are empty?
Show solution
1,200 - 876 = 324 empty seats.
Q4EASY· Mental Math
Solve mentally: 567 + 100.
Show solution
667 (increase the hundreds digit by 1).

5-minute revision

The whole chapter, distilled. Read this the night before the exam.

  • Always add and subtract from the ones place.
  • Carry when a column sum is 10 or more.
  • Borrow when the top digit is smaller than the bottom one.
  • Order of adding does not change the answer (commutative).
  • Adding 0 leaves a number unchanged (identity).
  • Addition and subtraction are opposites.
  • Put the larger number on top when subtracting.

ICSE marks blueprint

Where the marks come from in this chapter — so you can plan your prep.

Typical chapter weightage: 6-9 marks, depending on the school paper

Question typeMarks eachTypical countWhat it tests
Computation3-42-3Addition and subtraction with carry/borrow
Word problems3-52Applying operations to real situations
Prep strategy
  • Line up digits by place value
  • Practise carrying and borrowing daily
  • Use inverse operations to check answers
  • Learn mental tricks for adding 10, 100, and 9

Where this shows up in the real world

This chapter isn't just an exam topic — it lives in the world around you.

Money

Adding prices and working out change uses these skills.

Counting collections

Totalling stickers, books, or marbles needs addition.

Finding how many are left

Subtraction tells us how much remains after some are used.

Exam strategy

Battle-tested tips from teachers and toppers for this chapter.

  1. Rewrite numbers neatly in columns
  2. Mark carries and borrows clearly
  3. Show working in word problems
  4. Verify the answer with the inverse operation

Going beyond the textbook

For olympiad aspirants and curious learners — topics that build on this chapter.

  • Make a magic square where every row and column adds to the same total.
  • Find two 3-digit numbers whose sum is exactly 1,000.

Where else this chapter is tested

CBSE board isn't the only one — other exams test this chapter too.

ICSE Class 3 School ExamHigh
Maths Olympiad / IMO (junior)Medium

Questions students ask

The real ones — pulled from the Q&A community and tutor sessions.

When you add a column and the total is 10 or more, you cannot write a two-digit number in one place, so you write the ones digit and 'carry' the extra ten to the next column on the left. When you subtract and the top digit is smaller than the bottom digit, you 'borrow' one group of ten from the next column to the left, which makes the top digit ten bigger so you can subtract. Carrying and borrowing keep each place value correct.

Use the fact that addition and subtraction are opposite operations. If you worked out 567 - 234 = 333, you can check it by adding your answer back to the number you took away: 333 + 234 = 567. Since you get the original number, the subtraction is correct. If you do not get the original number, you should redo the subtraction.
Verified by the tuition.in editorial team
Last reviewed on 30 May 2026. Written and reviewed by subject-matter experts — read about our process.
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