Social media is filled with tricky math riddles designed to challenge logical thinking. One of the most debated and viral puzzles is the $97 shirt and the borrowed money problem. At first glance, this riddle creates an illusion that a dollar has mysteriously vanished. The total borrowed amount was $100, but when added up in a certain way, the final result appears to be $99 instead. So, where did the missing dollar go? Let’s break it down and find the real answer.
The Story of the Riddle

The puzzle is presented as follows:
- You find a shirt that costs $97.
- To afford it, you borrow $50 from your mom and $50 from your dad, giving you a total of $100.
- You buy the shirt, leaving you with $3 in change.
- You return $1 to your mom and $1 to your dad, keeping $1 for yourself.
- Now, you owe $49 to your mom and $49 to your dad, totaling $98.
- Adding the $1 you kept, the final sum appears to be $99 instead of $100.
This misleading sum leaves people scratching their heads: where did the extra dollar go?
Video: Missing Dollar Riddle || You see a shirt for $97 Riddle Solution Explained
The Hidden Trick – Understanding the Illusion
At first glance, it seems as though a dollar has mysteriously disappeared. However, the confusion comes from how the numbers are being added incorrectly rather than any actual missing money. Let’s analyze what’s really happening.
- After purchasing the shirt, the total money used is $97 (which is accounted for).
- The remaining $3 in change was split:
- $2 was returned to your parents ($1 each).
- $1 stayed in your pocket.
At this point, you still owe $98 in total—not $99. The mistake is in how the final numbers are combined.
The Common Miscalculation
The key mistake lies in how the $1 you kept is added to the remaining $98 debt. In reality, this is a wrong calculation.
- The $98 you owe represents the shirt’s cost ($97) plus the $1 you kept.
- Adding the $1 you kept to the debt is incorrect because that dollar is already accounted for in the total amount borrowed.
Instead, let’s break it down correctly:
$49 (mom) + $49 (dad) + $1 (you kept) + $97 (shirt) = $100
There is no missing dollar—just a cleverly disguised math trick that misleads the way we think about debt and remaining funds.
Video: Trick Question – Find the missing dollar
Why This Riddle Confuses So Many People
This puzzle plays on a common mental math trap. The way it is worded forces people to follow a misleading pattern of addition. By adding the $1 kept to the debt instead of seeing it as part of the total transaction, people are tricked into believing there’s an inconsistency in the numbers.
- The $98 is what remains owed—not a sum that should be added to anything else.
- The $1 kept is already included in that total.
This is why, when you attempt to add $1 to $98, it seems like the total is short $1, but in reality, it’s just a misrepresentation of how the money was used.
The Lesson Behind the Puzzle
This riddle is a fantastic example of how easily numbers can be manipulated to create an illusion of missing information. The so-called “missing dollar” is actually an error in logic rather than a real discrepancy in math.
What can we learn from this?
- Math isn’t just numbers—it’s logical reasoning. Always break down equations carefully before accepting an answer at face value.
- Be cautious of misleading calculations. When numbers don’t seem to add up, check whether you’re mistakenly including or excluding values.
- Not all puzzles have a deep answer—some are just word tricks. The way information is presented can completely change how people perceive a problem.
Final Thoughts – The $1 Never Disappeared!
In the end, the mystery of the missing dollar isn’t a mystery at all. The riddle simply misleads by using incorrect logic to suggest a disappearance that never happened. The total money always balances to $100, and the illusion is only created by an unnecessary, misleading addition.
So, next time you come across a tricky math puzzle, take a step back, break it down logically, and don’t let clever wording trip you up!