The Ultimate SSAT Lower Level Math Formula Cheat Sheet
TL;DR: If your child is applying to private school for grades 3 or 4, the SSAT Lower Level Quantitative section is 30 questions in 30 minutes, no calculator and no reference sheet. The good news: the formula list on this page is short. The not-so-good news: everything on it has to be memorized cold. Spread the practice out over a few weeks and test day becomes much less of a memory test.
Key takeaways:
- SSAT Lower Level Quantitative: 30 questions in 30 minutes.
- Designed for students in grades 3-4 applying to grades 4-5.
- No calculator allowed; no formula reference sheet.
- No guessing penalty on the Lower Level — answer every question.
- Focus areas: arithmetic, basic geometry, simple statistics, time and money.
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:\(12=2×2×3\)
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, the distances are positive as the absolute value of a number cannot be negative. \(|-22|=22\)
or \(|x| =\begin{cases}x \ for \ x≥0 \\x \ for \ x < 0\end{cases} \)
\(|x|<n⇒-n<x<n\)
\(|x|>n⇒x<-n or x>n\)
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
\(\frac{New \ Value \ – \ Old \ Value}{Old Value}×100\%\)
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
Distributive Property
\(a(b+c)=ab+ac\)
Equations
The values of the two mathematical expressions are equal.
\(ax+b=c\)
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
\((y-y_{1})=m \ (x-x_{1})\).
Slope-intercept form:
given the slope m and the y-intercept b, then the equation of the line is:
\(y=mx+b\).
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: \(180°\)
All triangles:
Area \(=\frac{1}{2}\) b. h
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).
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 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 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; \(π ~ 3.14 \))
Simple interest:
\(I=prt\)
(I = interest, p = principal, r = rate, t = time)
mean:
mean: \(\frac{sum \ of \ the \ data}{of \ data \ entires}\)
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
\( \{3,9,10,27\}=\frac{(9+10)}{2}=9.5 \)
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 (not mutually exclusive).
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
\(0<x^3<x^2<x<\sqrt{x}<\sqrt{3x}<1\).
Simple Interest
The charge for borrowing money or the return for lending it.
Interest = principal \(×\) rate \(×\) time
OR
\(I=prt\)
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.
\(x^0= 1\)
The Best Books to Ace the SSAT Lower Level Math Test
Recommended EffortlessMath Books
For a workbook your child can use alongside this cheat sheet, the SSAT Lower Level Math for Beginners walks through every topic at the right level with worked examples. For complete admissions prep with multiple practice tests, see the SSAT Lower Level Math Test Prep Bundle.
Frequently Asked Questions
Does the SSAT give a formula sheet?
No. The SSAT provides no formula reference on any level, including the Lower Level for grade 3-4 applicants. Calculators aren’t allowed either. The formula list at this level is short, but every item still has to be in your child’s head.
What formulas should my child memorize for the SSAT Lower Level?
Area of rectangle (\(lw\)) and square (\(s^2\)). Perimeter of rectangle (\(2l+2w\)) and square (\(4s\)). Basic time conversions (60 sec = 1 min, 60 min = 1 hr, 24 hr = 1 day). Basic statistics: mean (average), median, mode, range. Simple probability (favorable / total).
Does the SSAT Lower Level penalize guessing?
No. Unlike the Middle and Upper Levels, the Lower Level has no guessing penalty. Tell your child to answer every single question — even a blind guess has a 25% chance of being right and never subtracts from the score.
What’s the area of a rectangle?
\(A=lw\), where \(l\) is the length and \(w\) is the width. For a square (all sides equal), area is \(s^2\). Example: a rectangle that’s 7 by 3 has area \(7\times 3=21\) square units. A square with side 4 has area \(4^2=16\) square units.
What’s the perimeter formula?
Perimeter is the total distance around a shape — just add up all the sides. For a rectangle: \(P=2l+2w\) or \(P=2(l+w)\). For a square: \(P=4s\). For a triangle: add the three side lengths.
What statistics do my child need?
Mean (add the numbers, divide by how many). Median (sort the numbers, take the middle — if even count, average the two middles). Mode (the most-frequent number). Range (largest minus smallest). The Lower Level keeps statistics questions small (3-6 data points) and easy to compute by hand.
What math topics are on the SSAT Lower Level Quantitative?
Whole-number arithmetic (single- and double-digit), basic fractions (halves, thirds, quarters), simple word problems, time and money, measurement, basic shapes and perimeter, simple geometry, and reading simple charts (bar graphs, pictographs). Aligned roughly with grade 3-4 Common Core standards.
How is the SSAT Lower Level scored?
Each section gets a scaled score from 300 to 600. The full report includes Quantitative, Verbal, and Reading scaled scores plus a total, along with a percentile rank compared to other Lower Level test-takers in your child’s grade.
How long should we prepare?
For most third- and fourth-graders, 4-6 weeks of light practice at 15-20 minutes per day works well. Start with a full-length diagnostic test to identify weak topics, then mix focused review of those topics with timed practice sets to build comfort with the format.
How should we use this cheat sheet?
Sit with your child and go through it together. Make sure they recognize each formula. For any unfamiliar one, work 5-10 practice problems on it. Then have them take a timed SSAT Lower Level Math practice test to verify the formulas come back when the 30-minute clock is running.
Related EffortlessMath Lessons
If a topic on this page feels rusty, these short lessons go deeper:
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