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About this exam

The DSST Business Mathematics exam is a credit-by-examination option for students who already handle the arithmetic and algebra of everyday business finance and want college recognition for it. The DSST program is aimed at adult learners, military service members, and anyone seeking to shorten a degree path; schools that recognize the program may award three semester hours of baccalaureate credit for a passing score. The exam is delivered in multiple-choice format, either internet-based or paper-based, at authorized testing centers. Its content spans number sense and business graphs, the time value of money (simple interest, compound interest, and annuities), payroll and deductions, trade and cash discounts with markups, depreciation and net worth statements, and corporate securities including distribution of ownership and stock and asset turnover. A non-programmable calculator is permitted, and four interest and annuity factor tables are supplied as the opening items, so candidates can mark those items for review and consult the tables throughout. Preparation should combine a review of percentage and interest formulas with timed practice on multi-step word problems, since the exam rewards accuracy and careful reading more than advanced theory. Candidates should confirm with their own institution that it accepts this exam and how it applies to their curriculum before registering.

What you'll study

Common questions

About DSST Business Mathematics preparation

What is the format of the DSST Business Mathematics exam?

It is a multiple-choice exam offered in internet-based and paper-based formats at authorized testing centers, mostly located on college campuses. Registration and payment are completed at the testing center within the testing platform on the day of the exam, so there is no online pre-registration for the exam itself.

How many questions are there and how long do I have?

The exam contains 100 questions to be answered in 2 hours. That averages roughly 72 seconds per question, so budget your time and skip or flag anything that turns into a long calculation, then return to it if time allows.

What score do I need to pass?

The minimum passing score is 400. Score reports go to the institution whose 4-digit DSST code you provide on test day, and internet-based test takers see results immediately after the exam. Confirm with your school how a passing score maps to credit in your program.

Can I use a calculator?

Yes. The use of a non-programmable calculator is permitted during this exam, so bring one that meets the specifications. You may not bring reference or study materials, scratch paper, or electronics such as cell phones and smart watches into the testing room.

Will I get interest and annuity tables?

Yes. Four tables are provided as reference within the exam: future value of one dollar, present value of one dollar, future value of an annuity of one dollar for N years, and present value of an annuity of one dollar. They appear as the first few items, so mark those items for review and refer back to them.

How hard is the exam, and what trips people up?

The mathematics is mostly arithmetic, percentages, and basic algebra, so difficulty comes from volume and multi-step word problems rather than advanced theory. Common failure modes are misreading whether a rate is annual or periodic, confusing markup on cost with markup on selling price, and losing time on one stubborn computation.

What order should I study the topics in?

Start with number sense: fractions, decimals, ratios, averages, and reading business graphs. Then build the time-value-of-money formulas, since interest and annuities feed later topics. After that, work through payroll deductions, discounts and markups, depreciation and net worth, and finally corporate securities and turnover ratios.

How much does the exam cost?

The test fee is $100 per exam. This fee does not include any administrative costs the testing site may require, so check with your chosen test center about its own charges. Eligible veterans may be reimbursed under the VA National Testing Program.

Can I retake the exam if I do not pass?

Yes. All test takers are eligible to retest after a 30 day wait period. Note that for eligible military students, DANTES only funds the first attempt to pass an exam; any subsequent attempts to pass a failed exam are the test taker's responsibility.

How do I know my college will accept it?

Search the list of schools that accept DSST exams, then consult your advisor to confirm the exam fits your curriculum needs. If your school is not listed, contact your academic advisor or admissions officer. Also ask whether the school requires enrollment before it will accept a score report.