3-Digit Subtraction Worksheets
These 3-digit subtraction worksheets extend borrowing skills into the hundreds place, giving 2nd and 3rd graders practice subtracting three-digit numbers with one or more regroups. Each printable PDF pairs with an answer key so checking work is quick and easy.
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3-Digit Subtraction Worksheet
Subtract.
Answer Key
3-Digit Subtraction Worksheet
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How to teach 3-digit column subtraction with regrouping
- 1
Work one column at a time
Cover the tens and hundreds columns with a sticky note so your child focuses fully on the ones column and any needed borrow before moving on.
- 2
Track multiple borrows clearly
When both the ones and tens columns need to borrow, use distinct marks above each column so the two borrowing steps don't get mixed up.
- 3
Connect to money and place value
Frame problems as subtracting dollar amounts in hundreds, tens, and ones for a concrete, real-world way to picture the columns.
- 4
Double-check with an estimate
Subtract just the hundreds digits first for a rough estimate, then confirm the exact answer is close to that estimate.
Common mistakes kids make
- Forgetting a second borrow when both ones and tens columns need one — slow down and check each column separately.
- Borrowing from the wrong column, like taking from the ones instead of the tens — remind them borrowing always moves from left to right.
- Losing alignment on wider three-digit numbers — use graph paper or a printed grid to keep digits in their correct columns.
- Not reducing the digit being borrowed from — always cross it out and rewrite one less immediately after borrowing.
Tips for parents and teachers
- Review 2-digit borrowing thoroughly before starting 3-digit problems, since the process simply repeats one more column.
- Split longer worksheets into two shorter sessions to reduce careless fatigue mistakes.
- Have kids narrate each step out loud, such as 'I need to borrow from the tens to subtract in the ones place.'
- Use real store receipts to build a fun money-based word problem version of the same skill.
Grade alignment
This worksheet supports Common Core standard 3.NBT.A.2, typically taught in 2nd-3rd grade. Use it for practice, homework, review or a timed check of fluency.
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Open worksheetFrequently asked questions
When do students learn 3-digit subtraction?
3-digit subtraction with regrouping is typically taught in 2nd and 3rd grade after 2-digit borrowing is mastered.
Can a 3-digit subtraction problem require two borrows?
Yes, when both the ones and tens columns have a top digit smaller than the bottom digit, students borrow twice in one problem.
How do I prevent my child from losing track of borrows?
Have them cross out and rewrite each reduced digit immediately, so they never rely on memory alone mid-problem.
Is this different from borrowing across zeros?
Yes, standard 3-digit borrowing assumes the tens digit isn't zero; when it is, a separate borrowing-across-zeros strategy is needed.
What if the top number is smaller than the bottom number?
These worksheets are designed so the top number is always larger, keeping every answer positive for this grade level.
What comes after 3-digit subtraction?
Students typically move on to borrowing across zeros and eventually 4-digit subtraction and multi-step word problems.