C contributes 4, two H contribute 2 and O contributes 6: 12 electrons.
Bonding
Two C–H single bonds and one C=O double bond use 8 bonding electrons.
Geometry
Three electron domains around carbon produce trigonal-planar geometry near 120°.
Drawing steps
Put carbon in the center, with two hydrogens and one oxygen terminal.
Connect all atoms with single bonds.
Complete the oxygen octet with lone pairs.
Carbon is still short of an octet, so convert one oxygen lone pair into a C=O bond.
Leave two lone pairs on oxygen and verify all formal charges are zero.
Why the double bond is required
With only single bonds, carbon would have six surrounding electrons after the available electrons are placed. The C=O double bond completes carbon's octet without changing the 12-electron total.
Common mistake: drawing an O–H bond. The molecular formula is compatible with the carbonyl connectivity H₂C=O; both hydrogens are bonded to carbon.