SSAT Upper-Level Math Formulas
TL;DR: The SSAT Upper Level Quantitative sections hand you no calculator and no formula sheet across 50 questions, so memorization is the whole game. This page lists every formula students should know cold before test day, covering algebra, geometry, percent change, exponent rules, and basic statistics. Burn these into memory in advance and you free up your mental space for reading the problems carefully instead of fishing for forgotten formulas.
Quick answer: The SSAT Upper Level gives you no formula sheet and no calculator, so you need to know the core formulas by heart. Focus first on percents and percent change, ratios, slope and line equations, exponent rules, the Pythagorean theorem, area and volume of common shapes, and mean, median and mode. Example: a price drop from $80 to $60 is (60 − 80) ÷ 80 = −25%.
Key takeaways:
- SSAT Upper Level Quantitative: 50 questions across two 30-minute sections.
- No calculator allowed on any SSAT section.
- No formula reference is provided.
- Wrong answers cost 1/4 point, guess strategically, not blindly.
- Designed for students applying to grades 9-12 at private schools.
Rounding
Putting a number up or down to the nearest whole number or the nearest hundred, etc.
Example: 64 rounded to the nearest ten is 60 because 64 is closer to 60 than to 70.
Whole Number
The numbers \( \{0,1,2,3,…\} \)
Estimates
Find a number close to the exact answer.
Decimals
Is a fraction written in a special form? For example, instead of writing \(\frac{1}{2}\) you can write \(0.5\).
Mixed Numbers
A number is composed of a whole number and a fraction. Example: \(2 \frac{2}{ 3}\) Converting between improper fractions and mixed numbers: \(a \frac{c}{b}=a+\frac{c}{b}= \frac{ab+ c}{b}\)
Factoring Numbers
Factor a number means breaking it up into numbers that can be multiplied together to get the original number. Example:\(12=2×2×3\)
Divisibility Rules
Divisibility means that you are able to divide a number evenly. Example: 24 is divisible by 6, because \(24÷6=4\)
Greatest Common Factor
Multiply common prime factors
Example:\( 200=2×2×2×5×5 60=2×2×3×5\)
GCF \((200,60)=2×2×5=20\)
Least Common Multiple
Check multiples of the largest number
Example: LCM (200, 60): 200 (no), 400 (no), 600 (yes!)
Integers
\( \{…,-3,-2,-1,0,1,2,3,…\} \)
Includes: zero, counting numbers, and the negative of the counting numbers
Real Numbers
All numbers that are on a number line. Integers plus fractions, decimals, and irrationals, etc.) (\(\sqrt{2},\sqrt{3},π\), etc.)
Order of Operations
PEMDAS
(parentheses/ exponents/ multiply/ divide/ add/ subtract)
Absolute Value
Refers to the distance of a number from zero. A distance is never negative, so the absolute value of a number cannot be negative. \(|-22|=22\)
or (|x| = x for x ≥ 0, and |x| = −x for x < 0)
\(|x|<n⇒-n<x<n\)
\(|x|>n⇒x<-n or x>n\)
Ratios
A ratio is a comparison of two numbers by division.
Example: \(3: 5\), or \(\frac{3}{5}\)
Percentages
Use the following formula to find part, whole, or percent
part \(=\frac{percent}{100}×whole\)
Proportional Ratios
A proportion means that two ratios are equal. It can be written in two ways:
\(\frac{a}{b}=\frac{c}{d}\), \(a: b = c: d \)
Percent of Change
\(\frac{New \ Value \ – \ Old \ Value}{Old Value}×100\%\)
Markup
Markup \(=\) selling price \(-\) cost
Markup rate \(=\) markup divided by the cost
Discount
Multiply the regular price by the rate of discount
Selling price \(=\) original price \(-\) discount
Expressions and Variables
A variable is a letter that represents unspecified numbers. One may use a variable in the same manner as all other numbers: Addition: \(2+a\): \(2\) plus a
Subtraction: \(y-3\): \(y\) minus \(3\)
Division: \(\frac{4}{x}\): 4 divided by x
Multiplication: \(5a\): \(5\) times a
Tax
To find tax, multiply the tax rate by the taxable amount (income, property value, etc.)
Distributive Property
\(a(b+c)=ab+ac\)
Polynomial
\(P(x)=a_{0} x^n+ a_{1} x^{n-1}+\)⋯(+a_{n-2} x^2+a_{n-1} x+a_{n}\)
Systems of Equations
Two or more equations working together.
example: \( \begin{cases}-2x+2y=4\\-2x+y=3\end{cases} \)
Equations
The values of the two mathematical expressions are equal.
\(ax+b=c\)
Functions
A function is a rule to go from one number (x) to another number (y), usually written \(y=f(x)\). For any given value of x, there can only be one corresponding value y. If (y=kx) for some number k (example: \(f(x)= 0.5 x\)), then y is said to be directly proportional to x. If y\(=\frac{k}{x }\) (example: f(x \(=\frac{5}{x}\)), then y is said to be inversely proportional to x. The graph of \(y=f(x-h)+k\) is the translation of the graph of \(y=f(x)\) by ((h,k)) units in the plane. For example, \(y=f(x+3)\) shifts the graph of (f(x)) by 3 units to the left.
Inequalities
Says that two values are not equal
\(a≠b\) a not equal to b
\(a<b\) a less than b
\(a>b\) a greater than b
\(a≥b\) a greater than or equal b
\(a≤b\) a less than or equal b
Solving Systems of Equations by Elimination
Example: \(\cfrac{\begin{align} x+2y =6 \\ + \ \ -x+y=3 \end{align}}{}\)
\(\cfrac{ \begin{align} 3y=9 \\ y=3 \end{align} }{\begin{align} x+6=6 \\ ⇒ x=0 \end{align}} \)
Lines (Linear Functions)
Consider the line that goes through points \(A(x_{1},y_{1}) \) and \(B(x_{2},y_{2})\).
Distance from A to B:
\(\sqrt{(x_{1}-x_{2})^2+(y_{1}-y_{2})^2 }\)
Parallel and Perpendicular lines:
Have equal slopes. Perpendicular lines (i.e., those that make a \(90^° \) angle where they intersect) have negative reciprocal slopes: \(m_{1}\).\(m_{2}=-1\).
Parallel Lines (l \(\parallel\) m)
Mid-point of the segment AB:
M (\(\frac{x_{1}+x_{2}}{2}, \frac{y_{1}+y_{2}}{2}\))
Slope of the line:
\(\frac{y_{2}- y_{1}}{x_{2} – x_{1} }=\frac{rise}{run}\)
Point-slope form:
Given the slope m and a point \((x_{1},y_{1})\) on the line, the equation of the line is
\((y-y_{1})=m \ (x-x_{1})\).
Intersecting lines:
Opposite angles are equal. Also, each pair of angles along the same line add to \(180^°\). In the figure above, \(a+b=180^°\).
Slope-intercept form:
given the slope m and the y-intercept b, then the equation of the line is:
\(y=mx+b\).
Transversal: Parallel lines:
Eight angles are formed when a line crosses two parallel lines. The four big angles (a) are equal, and the four small angles (b) are equal.
Parabolas:
A parabola parallel to the y-axis is given by \(y=ax^2+bx+c\).
If \(a>0\), the parabola opens up.
If \(a<0\), the parabola opens down. The y-intercept is c, and the x-coordinate of the vertex is: \(x=-\frac{b}{2a}\).
Factoring:
“FOIL”
\((x+a)(x+b)\)
\(=x^2+(b+a)x +ab\) “Difference of Squares”
\(a^2-b^2= (a+b)(a-b)\)
\(a^2+2ab+b^2=(a+b)(a+b) \)
\(a^2-2ab+b^2=(a-b)(a-b)\) “Reverse FOIL”
\(x^2+(b+a)x+ab=\) \((x+a)(x+b)\)
You can use Reverse FOIL to factor a polynomial by thinking about two numbers a and b which add to the number in front of the x, and which multiply to give the constant. For example, to factor \(x^2+5x+6\), the numbers add to 5 and multiply to 6, i.e.: \(a=2\) and \(b=3\), so that \(x^2+5x+6=(x+2)(x+3)\). To solve a quadratic such as \(x^2+bx+c=0\), first factor the left side to get \((x+a)(x+b)=0\), then set each part in parentheses equal to zero. For example, \(x^2+4x+3= (x+3)(x+1)=0\) so that \(x=-3\) or \(x=-1\).
To solve two linear equations in x and y: use the first equation to substitute for a variable in the second. E.g., suppose \(x+y=3\) and \(4x-y=2\). The first equation gives y=3-x, so the second equation becomes \(4x-(3-x)=2 ⇒ 5x-3=2\) \(⇒ x=1,y=2\).
Exponents:
Refers to the number of times a number is multiplied by itself.
\(8 = 2 × 2 × 2 = 2^3\)
Scientific Notation:
It is a way of expressing numbers that are too big or too small to be conveniently written in decimal form.
In scientific notation all numbers are written in this form: \(m \times 10^n\)
Decimal notation:
5
\(-25,000\)
0.5
2,122.456
Scientific notation:
\(5×10^0\)
\(-2.5×10^4\)
\(5×10^{-1}\)
\(2.122456×10^3\)
Square:
The number we get after multiplying an integer (not a fraction) by itself. Example: \(2×2=4,2^2=4\)
Square Roots:
A square root of \(x\) is a number r whose square is \(x: r^2=x\)
\(r\) is a square root of \(x\)
Pythagorean Theorem:
For any right triangle with legs \(a\) and \(b\) and hypotenuse \(c\): \(a^2+b^2=c^2\)
Solving for the hypotenuse: \(c=\sqrt{a^2+b^2}\)
Solving for a leg: \(a=\sqrt{c^2-b^2}\)
Common Pythagorean triples: \(3,4,5\); \(5,12,13\); \(8,15,17\); \(7,24,25\)
Triangles
Area: \(A=\frac{1}{2}bh\) where \(b\) is the base and \(h\) is the height.
Perimeter: \(P=a+b+c\) (sum of all three sides).
Pythagorean Theorem (right triangles): \(a^2+b^2=c^2\) where \(c\) is the hypotenuse.
Sum of interior angles: \(180°\)
Right triangles:
A right triangle has one \(90°\) angle. The two sides forming the right angle are the legs; the longest side (opposite the right angle) is the hypotenuse.
Pythagorean Theorem: \(a^2+b^2=c^2\)
Area: \(A=\frac{1}{2}\,a\,b\) (where \(a\) and \(b\) are the two legs)
The two non-right angles are complementary (they add to \(90°\)).
All triangles:
Area \(=\frac{1}{2}\) bh
Angles on the inside of any triangle add up to \(180^\circ\).
The length of one side of any triangle is always less than the sum and more than the difference between the lengths of the other two sides.
An exterior angle of any triangle is equal to the sum of the two remote interior angles. Other important triangles:
Equilateral:
These triangles have three equal sides, and all three angles are \(60^\circ\).
Isosceles:
An isosceles triangle has two equal sides. The “base” angles (the ones opposite the two sides) are equal (see the \(45^\circ\) triangle above).
Similar:
Two or more triangles are similar if they have the same shape. The corresponding angles are equal, and the corresponding sides are in proportion. For example, the \(3-4-5\) triangle and the \(6-8-10\) triangle from before are similar since their sides are in a ratio of to.
Circles

Area \(=πr^2\)
Circumference \(=2πr\)
Full circle \(=360^\circ\)
Rectangles

(Square if l=w)
Area=lw

Parallelogram
(Rhombus if l=w)
Area=lh
Regular polygons are n-sided figures with all sides equal and all angles equal.
The sum of the inside angles of an n-sided regular polygon is
\((n-2).180^\circ\).
Area of a parallelogram:
\(A = bh\)
Area of a trapezoid:
\(A =\frac{1}{2} h (b_{1}+b_{2})\)
Surface Area and Volume of a Rectangular/right prism:
\(SA=ph+2B\)
\(V=Bh\)
Surface Area and Volume of a Cylinder:
\(SA =2πrh+2πr^2\)
\(V =πr^2 h \)
Surface Area and Volume of a Pyramid
(SA=\frac{1}{2} \ ps+B)
(V=\frac{1}{3}\ Bh)
Surface Area and Volume of a Cone
\(SA =πrs+πr^2\)
\(V=\frac{1}{3} \ πr^2 \ h\)
Surface Area and Volume of a Sphere
\(SA =4πr^2\)
\(V =\frac{4}{3} \ πr^3\)
(p \(=\) perimeter of base B; \(π ~ 3.14 \))
Solids

Rectangular Solid
Volume =lwh
Area =2(lw+wh+lh)

Right Cylinder
Volume \(=πr^2 \ h\)
Area \(=2πr(r+h)\)
Quadratic formula:
\( x=\frac{-b±\sqrt{b^2-4ac}}{2a}\)
Simple interest:
\(I=prt\)
(I = interest, p = principal, r = rate, t = time)
mean:
mean: (frac{sum of the data}{number \ of \ data \ entries})
mode:
value in the list that appears most often
range:
largest value \(-\) smallest value
Median
The middle value in the list (which must be sorted)
Example: median of
\( \{3,10,9,27,50\} = 10\)
Example: median of
\( \{3,9,10,27\}=\frac{(9+10)}{2}=9.5 \)
Sum
average \(×\) (number of terms)
Average
\( \frac{sum \ of \ terms}{number \ of \ terms}\)
Average speed
\(\frac{total \ distance}{total \ time}\)
Probability
\(\frac{number \ of \ desired \ outcomes}{number \ of \ total \ outcomes}\)
The probability of two different events A and B both happening is:
P(A and B)=p(A).p(B)
as long as the events are independent.
Powers, Exponents, Roots
\(x^a.x^b=x^{a+b}\)
\(\frac{x^a}{x^b} = x^{a-b}\)
\(\frac{1}{x^b }= x^{-b}\)
\((x^a)^b=x^{a.b}\)
\((xy)^a= x^a.y^a\)
\(x^0=1\)
\(\sqrt{xy}=\sqrt{x}.\sqrt{y}\)
\((-1)^n=-1\), if n is odd.
\((-1)^n=+1\), if n is even.
If \(0<x<1\), then
(0 < x³ < x² < x < √x < ∛x < 1).
Interest
Simple Interest: \(I=Prt\)
where \(P\) = principal, \(r\) = annual interest rate (as a decimal), \(t\) = time in years.
Total amount: \(A=P+I=P(1+rt)\)
Compound Interest: \(A=P(1+\frac{r}{n})^{nt}\) where \(n\) is the number of times interest is compounded per year.
Simple Interest
The charge for borrowing money or the return for lending it.
Interest = principal \(×\) rate \(×\) time
OR
\(I=prt\)
Compound Interest
Interest is computed on the accumulated unpaid interest as well as on the original principal.
A \(=P(1+r)^t\)
A= amount at end of the time
P= principal (starting amount)
r= interest rate (change to a decimal i.e. \(50\%=0.50\))
t= number of years invested
Powers/ Exponents
\(x^a×x^b=x^{a+b}\)
\(\frac{x^a}{x^b}=x^{a-b}\)
\((x^a)^b=x^{ab}\)
\(x^0=1\)
\(x^{-a}=\frac{1}{x^a}\)
\(x^{\frac{1}{n}}=\sqrt[n]{x}\)
Positive Exponents
An exponent is simply shorthand for multiplying that number of identical factors. So \(4^3\) is the same as (4)(4)(4), three identical factors of 4. And \(x^3\) is just three factors of x, \((x)(x)(x)\).
Negative Exponents
A negative exponent means to divide by that number of factors instead of multiplying.
So \(4^{-3}\) is the same as \( \frac{1}{4^3}\) and
\(x^{-3}=\frac{1}{x^3}\)
Factorials
Factorial- the product of a number and all counting numbers below it.
8 factorial \(=8!=\)
\(8×7×6×5×4×3×2×1=40,320\)
5 factorial \(=5!=\)
\(5×4×3×2×1=120\)
2 factorial \(=2!=2× 1=2\)
Multiplying Two Powers of the SAME Base
When the bases are the same, you find the new power by just adding the exponents
\(x^a.x^b=x^{a+b }\)
Powers of Powers
For the power of power: you multiply the exponents.
\((x^a)^b=x^{(ab)}\)
Dividing Powers
\(\frac{x^a}{x^b} =x^a x^{-b}= x^{a-b}\)
The Zero Exponent
Anything to the 0 power is 1.
\(x^0= 1\)
Permutation:
When different orderings of the same items are counted separately, we have a permutation problem:
(_{n}P_{r}=\frac{n!}{(n-r)!})
Combination:
The fundamental counting principle, as demonstrated above, is used any time the order of the outcomes is important. When selecting objects from a group where the order is NOT important, we use the formula for COMBINATIONS:
The fundamental counting principle, as demonstrated above, is used any time the order of the outcomes is important. When selecting objects from a group where the order is NOT important, we use the formula for COMBINATIONS:
(_{n}C_{r}=\frac{n!}{r!(n-r)!})
The Best Books to Ace the SSAT Upper-Level Math Test
Recommended EffortlessMath Books
For a workbook that walks through every formula on this page, the SSAT Upper Level Math for Beginners pairs each topic with worked examples at the right level. For complete private-school admissions prep with multiple practice tests, see the SSAT Upper Level Math Test Prep Bundle (resource currently unavailable).
SSAT Upper Level Math at a Glance
| Item | What to expect |
|---|---|
| Math sections | Two Quantitative sections |
| Questions | 25 per section, 50 in total |
| Time | 30 minutes per section, a little over a minute per question |
| Calculator | Not allowed |
| Formula sheet | Not provided |
| Scoring | +1 for a right answer, 0 for a skipped one, −¼ for a wrong one |
| Who takes it | Students in grades 8 to 11 |
The time limit is the real challenge. With about 72 seconds per question and no calculator, you need quick mental math for fractions, percents and squares up to 15 × 15. Skip a question that is eating time, mark it, and come back if you can. Check the official SSAT site before test day, since details can change.
The 12 Formulas to Memorize First
- Percent change = (new − old) ÷ old × 100
- Part = percent × whole
- Slope m = (y₂ − y₁) ÷ (x₂ − x₁)
- Line: y = mx + b
- Distance = rate × time
- Average = sum ÷ number of values
- a² + b² = c² for right triangles
- Triangle area = ½ × base × height
- Circle: area = πr², circumference = 2πr
- Rectangular prism volume = l × w × h
- Cylinder volume = πr²h
- Exponents: aᵐ × aⁿ = aᵐ⁺ⁿ and (aᵐ)ⁿ = aᵐⁿ
Write these from memory once a day for a week. When you can do it in under three minutes, move on to the rest of the list on this page.
Frequently Asked Questions
Does the SSAT give you a reference sheet?
No. The SSAT Upper Level does not provide a formula or reference sheet, and calculators are not allowed, so students need the key formulas memorized before test day. A strong list covers percent change, slope, the Pythagorean theorem, area and volume, and mean, median and mode. Writing them out from memory once a day for a week helps them stick.
What formulas should I know for SSAT Upper Level math?
Start with percent change = (new − old) ÷ old × 100, slope m = (y₂ − y₁) ÷ (x₂ − x₁), the Pythagorean theorem a² + b² = c², triangle area ½ × b × h, circle area πr² and rectangular prism volume l × w × h. Add the mean (sum ÷ count) and the exponent rules. For example, a price rise from $40 to $50 is (50 − 40) ÷ 40 = 25%.
What math topics are on the SSAT Upper Level?
Expect arithmetic and number sense, fractions, decimals, percents and ratios, algebra with equations and inequalities, coordinate geometry, plane and solid geometry, and basic data topics such as mean, median, range and probability. Most of it is middle school and early high school math, but it must be done quickly and entirely by hand.
How is the SSAT Upper Level math section timed?
The math comes in two Quantitative sections of 25 questions each, with 30 minutes per section, which gives a little over a minute per question. Since there is no calculator, practice timed sets by hand so your child learns which problems to answer right away and which to come back to.
How should a beginner study SSAT Upper Level math?
Begin with the core skills: fractions, percents, ratios and two-step equations. Then learn the geometry and statistics formulas and use them on short, untimed sets. Once accuracy is steady, switch to timed SSAT-style sections with no calculator. Reviewing every missed question and noting why it went wrong builds skill faster than simply doing more problems.
Related EffortlessMath Lessons
If a topic on this page feels rusty, these short lessons go deeper:
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