Tip Calculator
Figure out the tip and split the check in seconds. Enter the bill, pick a tip percentage, and choose how many people are paying, and the calculator shows the tip, the total, and each person’s share.
Enter the sales tax on the bill to tip on the pre-tax amount, as etiquette guides suggest, and round each share up to the dollar if you’d rather not deal with change. A table shows the tip at every common percentage.
Calculator
Tip
$16.90
Total with tip: $101.40
| 15% | $12.68 | $97.18 |
| 18% | $15.21 | $99.71 |
| 20% | $16.90 | $101.40 |
| 22% | $18.59 | $103.09 |
| 25% | $21.13 | $105.63 |
Common U.S. guidance for sit-down restaurants is 15% to 20% of the pre-tax bill, with 20% or more for great service. Tips count as income for the server — and many can now deduct qualified tips under the 2025 “no tax on tips” law.
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Calculation Formulas
Tip on the pre-tax amount; leave tax at $0 to tip on the full bill.
Example:
$84.50 × 20% = $16.90.
Optionally rounded up to the next dollar.
Key Figures
| Figure | Value | Description |
|---|---|---|
| Common tips | 15%–25% | Sit-down restaurant service in the U.S. |
Note: Results are estimates for planning purposes. Rates, fees, taxes, and insurance vary by lender and location — confirm exact figures with a licensed professional before making financial decisions.
Standards & Sources
Last verified: October 2026
- Etiquette guidance
Common U.S. guidance is 15%–20% for restaurant service, calculated before tax.
- No tax on tips
Workers in tipped occupations may deduct up to $25,000 of qualified tips for 2025–2028; see our no tax on tips calculator.
How to Use This Calculator
- Enter the bill total.
- Optionally enter the tax on the bill so the tip is based on the pre-tax amount.
- Pick a tip percentage or enter your own.
- Enter how many people are splitting the bill and read the tip, total, and each share.
Frequently Asked Questions
How much should I tip at a restaurant?
For sit-down service in the U.S., 15% to 20% of the pre-tax bill is standard, with 20% or more for excellent service. On an $84.50 bill, 20% is $16.90.
How do I calculate a 20% tip quickly?
Move the decimal point one place left to get 10%, then double it. On a $45 bill, 10% is $4.50, so 20% is $9.
Should I tip on the total with tax?
Etiquette guides generally suggest tipping on the pre-tax amount, though many people tip on the total for simplicity. The difference is usually small.
How do I split a bill with a tip?
Add the tip to the bill, then divide by the number of people. A $120 bill with a 20% tip is $144, or $36 each for four people.
Guides to go with this calculator
How Much to Tip: A Guide for Every Situation
Tipping norms have drifted, and the screen at the counter doesn’t help. Here are the common U.S. ranges for every situation, whether to tip on tax, and the mental math to get it right in seconds.
How to Calculate a Percentage (4 Formulas)
Almost every percentage question is one of four formulas. Here they are with worked examples — plus the mental-math tricks for tips and sale prices, and the one mistake that trips up percent change.
Markup vs. Margin: Formulas and Conversion Table
A 50% markup is only a 33% margin. Mixing the two up is one of the most common pricing mistakes — here are both formulas, a conversion table, and how to set a price that hits your target.
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