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HSPT: Decimals: multiply and place the point

Learn to multiply decimals by working with whole numbers first and then placing the decimal point by counting.

Updated October 2, 2026

How do you know where the decimal point goes when you multiply two decimals?

Short answer

Multiply the digits as whole numbers. Then count the decimal places in both factors together, and give the answer that many places.

Know first: Multiplying whole numbers, Place value to the thousandths

Step 1 of 5

Multiply as whole numbers, then count places

To multiply decimals, you don't need to line up the decimal points. Ignore them at first and multiply the digits as whole numbers.

Then count the decimal places, the digits to the right of each decimal point, in both factors together. Your answer gets that many decimal places.

Counting decimal places
ProblemWhole-number productPlaces in factorsAnswer
3 × 0.260 + 1 = 10.6
0.07 × 0.9632 + 1 = 30.063
1.5 × 0.04601 + 2 = 30.060 = 0.06

Count the places before you drop any zeros at the end.

Step 2 of 5

Place the decimal point by counting

Worked example: A decimal times a decimal

What is 2.6 × 0.4?

  1. A10.4
  2. B1.04
  3. C0.104
  4. D3
  1. 1

    Multiply the digits

    26 × 4 = 104.

  2. 2

    Count the places

    2.6 has one decimal place and 0.4 has one, so the answer needs two.

  3. 3

    Place the point

    104 with two decimal places is 1.04.

  4. 4

    Estimate

    0.4 is a bit less than half, and half of 2.6 is 1.3. 1.04 is a little under 1.3, so it fits.

  5. 5

    See why the other choices are there

    10.4 uses only one decimal place. 0.104 uses three. 3 adds the numbers instead of multiplying them.

Answer

1.04

Find the wrong step

A student multiplies 0.5 × 0.8.

  1. 1

    Multiplies the digits: 5 × 8 = 40.

  2. 2

    Drops the zero to get 4, then counts two places back and writes 0.04.

    What went wrong

    The places must be counted on the full product, 40. Dropping the zero first loses a digit.

  3. 3

    Answers 0.04.

The fix

40 with two decimal places is 0.40, which equals 0.4. Check: half of 0.8 is 0.4.

Step 3 of 5

Count the places every time

Check yourself · Question 1

What is 3.1 × 0.7?

A21.7
B0.217
C2.17
D3.8

Answer: C

31 × 7 = 217. The factors have two decimal places in all, so the answer is 2.17. Estimate: 0.7 of about 3 is about 2.1.

Trap answer: 21.7

Too few decimal places

Why it looks right
21.7 keeps one decimal place, like 3.1 and 0.7, so it looks consistent.
Why it's wrong
Decimal places add up: one from 3.1 plus one from 0.7 makes two. Also, multiplying by a number less than 1 must give less than 3.1.
The right answer
2.17

Check yourself · Question 2

What is 0.25 × 0.08?

A0.2
B0.02
C0.002
D0.33

Answer: B

25 × 8 = 200. There are four decimal places in all (two in each factor), so the answer is 0.0200, which is 0.02.

Common mistake

"I line up the decimal points, like when I add."

Why it's tempting
Adding and subtracting decimals does need the points lined up, so it feels like a rule for everything.
Do this instead
For multiplication, ignore the points, multiply the digits, then count the total decimal places.

Step 4 of 5

What to remember

Remember

  1. Multiply the digits as if there were no decimal points.
  2. Count the decimal places in both factors and give the answer that many.
  3. Estimate first: multiplying by a number less than 1 makes the result smaller.

Step 5 of 5

Practice on a real question

Use what you just learned on this question, then check the explanation.

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In your own words

How many decimal places did the practice answer need, and what does an estimate tell you about its size?

All sample lessons

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