Business Math, 11th edition

Published by Pearson (July 14, 2021) © 2018

  • Cheryl Cleaves Southwest Tennessee Community College , State Technical Institute at Memphis
  • Margie Hobbs University of Mississippi
  • Jeffrey Noble MBA, Madison College

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ISBN-13: 9780137518883 (2021 update)
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This print textbook is available for students to rent for their classes. The Pearson print rental program provides students with affordable access to learning materials, so they come to class ready to succeed.

For courses in business mathematics, personal finance, or small business management.

Empowers your students to manage personal finances

Business Math is a practical and thorough guide for students and small business owners to learn how to manage personal and business finances. The book was written on the premise that everyone needs to understand how to manage money, offering a rare deep dive into topics not always taught in class. A conversational tone, real world examples, and case studies keep complicated topics understandable and engaging.

The 11th Edition starts off by reviewing basic math. It then dives into topics relevant for any career such as mortgages, banking, interest, consumer credit, and more. It also touches on important topics for business owners including payroll, markup, markdown, trade discounts, business statistics and more, as well as topics for those close to business recordkeeping like government agencies, lending agencies, depreciation, inventory and financial statements.

Also available with MyLabMath.

MyLab™ Math is an online homework, tutorial, and assessment program designed to work with this text to engage students and improve results. Within its structured environment, students practice what they learn, test their understanding, and pursue a personalized study plan that helps them absorb course material and understand difficult concepts.


Students, if interested in purchasing this title with MyLab Math, ask your instructor for the correct package ISBN and Course ID. Instructors, contact your Pearson representative for more information.

Table of Contents

  1. Review of Whole Numbers and Integers
    • 1-1 Place Value and Our Number System
    • 1-2 Operations with Whole Numbers and Integers
  2. Review of Fractions
    • 2-1 Fractions
    • 2-2 Adding and Subtracting Fractions
    • 2-3 Multiplying and Dividing Fractions
  3. Decimals
    • 3-1 Decimals and the Place Value System
    • 3-2 Operations with Decimals
    • 3-3 Decimal and Fraction Conversions
  4. Banking
    • 4-1 Checking Account Transactions
    • 4-2 Bank Statements
  5. Equations
    • 5-1 Equations
    • 5-2 Using Equations to Solve Problems
    • 5-3 Formulas
  6. Percents
    • 6-1 Percent Equivalents
    • 6-2 Solving Percentage Problems
    • 6-3 Increases and Decreases
  7. Business Statistics
    • 7-1 Graphs and Charts
    • 7-2 Measures of Central Tendency
    • 7-3 Measures of Dispersion
  8. Trade and Cash Discounts
    • 8-1 Single Trade Discounts
    • 8-2 Trade Discount Series
    • 8-3 Cash Discounts and Sales Terms
  9. Markup and Markdown
    • 9-1 Markup Based on Cost
    • 9-2 Markup Based on Selling Price and Markup Comparisons
    • 9-3 Markdown, Series of Markdowns, and Perishables
  10. Payroll
    • 10-1 Gross Pay
    • 10-2 Payroll Deductions
    • 10-3 The Employer’s Payroll Taxes
  11. Simple Interest and Simple Discount
    • 11-1 The Simple Interest Formula
    • 11-2 Ordinary and Exact Interest
    • 11-3 Promissory Notes
  12. Consumer Credit
    • 12-1 Installment Loans and Closed-End Credit
    • 12-2 Paying a Loan Before It Is Due: The Rule of 78
    • 12-3 Open-End Credit
  13. Compound Interest, Future Value, and Present Value
    • 13-1 Compound Interest and Future Value
    • 13-2 Present Value
  14. Annuities and Sinking Funds
    • 14-1 Future Value of an Annuity
    • 14-2 Sinking Funds and Present Value of an Annuity
  15. Building Wealth Through Investments
    • 15-1 Stocks
    • 15-2 Bonds
    • 15-3 Mutual Funds
  16. Mortgages
    • 16-1 Mortgage Payments
    • 16-2 Amortization Schedules and Qualifying Ratios
  17. Depreciation
    • 17-1 Depreciation Methods for Financial Statement Reporting
    • 17-2 Depreciation Methods for IRS Reporting
  18. Inventory
    • 18-1 Inventory
    • 18-2 Turnover and Overhead
  19. Insurance
    • 19-1 Life Insurance
    • 19-2 Property Insurance
    • 19-3 Motor Vehicle Insurance
  20. Taxes
    • 20-1 Sales Tax and Excise Tax
    • 20-2 Property Tax
    • 20-3 Income Taxes
  21. Financial Statements
    • 21-1 The Balance Sheet
    • 21-2 Income Statements
    • 21-3 Financial Statement Ratios

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