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Business Math, 11th edition

  • Cheryl Cleaves
  • Margie Hobbs
  • Jeffrey Noble

Published by Pearson (January 4th 2017) - Copyright © 2018

11th edition

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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 MyLab Math.

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.

You are purchasing a standalone product; MyLab Math does not come packaged with this content. If you would like to purchase both the physical text and MyLab Math, search for:

0134506294 / 9780134506296  Business Math Plus MyLab Math -- Access Card Package, 11/e

Package consists of:

  • 0134496434 / 9780134496436 Business Math
  • 0321431308 / 9780321431301  MyLab Math -- Glue-in Access Card
  • 0321654064 / 9780321654069 MyLab Math Inside Star Sticker

MyLab Math should only be purchased when required by an instructor. 

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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