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Counting Money & Making Amounts

Maths · Y3 Money
Year 3
Lesson Guide
Explanation
Australian money has silver coins (5c, 10c, 20c, 50c), gold coins ($1, $2) and notes ($5, $10, $20, $50, $100). The key fact: 100 cents make one dollar. And watch out for the sneaky sizes — the little gold $2 coin is worth MORE than the bigger $1 coin. Value isn't about size!
Your Turn
Empty a money jar (or imagine one). Sort coins into silver and gold. Which single coin is worth the most? Check: the $2.
Watch Out
Bigger coin ≠ more money. The 50c coin is huge but the tiny $2 beats it.
Explanation
To count a handful of money, sort it biggest-first, then keep a running total as you touch each coin: two dollars… three dollars… three fifty… three seventy… three seventy-five. Starting big means the tricky little additions come when the numbers are easiest. Total: $3.75.
Your Turn
Count: $2, $2, 50c, 20c, 20c, 10c. Check: 2 → 4 → 4.50 → 4.70 → 4.90 → $5.00 exactly!
Watch Out
Mixing dollars and cents trips people: $3.70 plus 5c is $3.75, not $3.120 or $8.70. Keep the dot in your head.
Explanation
Money writing has one strict rule: cents always get TWO digits after the dot. Five cents is written $0.05, so $4.05 means four dollars and five cents — very different from $4.50! And to change cents into dollars, split off the last two digits: 345 cents = $3.45.
Your Turn
Write with a $: 7 dollars and 8 cents; and 260 cents. Check: $7.08 and $2.60.
Watch Out
$4.5 is not proper money writing — always two cent digits: $4.50.
Explanation
The same amount can be built from different coins. One dollar is two 50c coins, or five 20c coins, or 50c + 20c + 20c + 10c. To check any combination, add the cents — they must total 100. This skill is gold at the shops: sometimes you need EXACT money and have to build it from whatever is in your pocket.
Your Turn
Find two different ways to make 60c. Check (examples): 50c + 10c, or 20c + 20c + 20c.
Watch Out
There is no 25c coin in Australia! Combinations must use only real coins: 5, 10, 20, 50, $1, $2.
Explanation
Money puzzles are great brain training. 'Three coins making 80c?' Start with the biggest coin that fits — 50c — leaving 30c for two coins: 20c + 10c. Done! For 'fewest coins', the same trick works: always grab the biggest coin that doesn't overshoot. $3.70 = $2 + $1 + 50c + 20c — just four coins.
Your Turn
Puzzle: make 90c with exactly 3 coins. Check: 50c + 20c + 20c. Now the quiz and exercises!
Watch Out
Read puzzles carefully: "3 coins" means exactly three — not two, not four.
Step 1: Introduction
Step 1 of 5
Our money 💰 5c 10c 20c 50c $1 $2 $5 $10 $20 $50 Silver coins are cents; gold coins are dollars; notes are bigger dollars. 100 cents = $1. Fun fact: the $2 coin is SMALLER than the $1 coin!
$2 + $1 + 50c + 20c + 5c $2 $1 50c 20c 5c $2 $3 $3.50 $3.70 $3.75 Start with the biggest, count down to the smallest. Say the running total as you touch each coin: "two dollars… three… three fifty… three seventy… three seventy-five."
$4.05 — read it carefully $4 . 05 dollars cents (always 2 digits) $4.05 = 4 dollars and 5 cents — NOT 4 dollars and 50 cents! The cents part always uses two digits: 5 cents is written .05 $4.50 = 4 dollars and 50 cents · 345c = $3.45
Three ways to make $1 2 × 50c 50c 50c 5 × 20c 20c20c20c20c20c 50c + 2×20c + 10c 50c 20c 20c 10c Same $1, different coins. Check each way adds to 100 cents! 50+50 ✓ · 20×5 ✓ · 50+20+20+10 ✓
Coin detective 🕵️ "I have 3 coins that make 80c. What are they?" Try big first: 50c + 20c + 10c = 80c ✓ "Fewest coins to make $3.70?" $2 + $1 + 50c + 20c = four coins ✓ "Two coins, same kind, make $4. Which coin?" $2 + $2 = $4 → two $2 coins ✓ Strategy: start with the biggest coin that fits. Quiz time!
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