Development of a modeling technique for accurately interpreting electromagnetic (EM) data is increasingly required. We introduce finite difference (FD) and finite-element (FE) methods for three-dimensional (3D) frequency-domain EM modeling. In the controlled-source EM methods, formulating the governing equations into a secondary electric field enables us to avoid a singularity problem at the source point. The secondary electric field is discretized using the FD or FE methods for the model region. We represent iterative and direct methods to solve the system of equations resulting from the FD or FE schemes. By applying the static divergence correction in the iterative method, the rate of convergence is dramatically improved, and it is particularly useful to compute a model including surface topography in the FD method. Finally, as an example of an airborne EM survey, we present 3D modeling using the FD method.