A tip calculator multiplies the bill by the tip percentage: tip = bill × (percent ÷ 100). A 20% tip on a $64 bill is $64 × 0.20 = $12.80, for a total of $76.80. Split four ways, each person pays $19.20.
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How to use the tip calculator
- Enter the bill amount, before or after tax as you prefer.
- Enter the tip percentage, for example 18.
- Enter the number of people splitting the bill.
- Read the tip, the total and each person’s share of the total and tip.
Use the tip calculator for restaurants, delivery and services.
What is the tip formula?
- Tip = bill × tip percentage ÷ 100
- Total = bill + tip
- Per person = total ÷ number of people
Example for an $85 bill at 18% split between 3 people: tip = $85 × 0.18 = $15.30; total = $100.30; per person = $33.43.
Tip table
| Bill | 15% | 18% | 20% | 25% |
|---|---|---|---|---|
| $20 | $3.00 | $3.60 | $4.00 | $5.00 |
| $40 | $6.00 | $7.20 | $8.00 | $10.00 |
| $60 | $9.00 | $10.80 | $12.00 | $15.00 |
| $80 | $12.00 | $14.40 | $16.00 | $20.00 |
| $100 | $15.00 | $18.00 | $20.00 | $25.00 |
| $150 | $22.50 | $27.00 | $30.00 | $37.50 |
| $200 | $30.00 | $36.00 | $40.00 | $50.00 |
Mental math shortcuts
- 10%: move the decimal one place left ($64 → $6.40).
- 20%: double the 10% figure ($6.40 × 2 = $12.80).
- 15%: 10% plus half of 10% ($6.40 + $3.20 = $9.60).
- 25%: divide the bill by 4 ($64 ÷ 4 = $16).
Should you tip on the pre-tax or after-tax amount?
Etiquette guides such as the Emily Post Institute suggest tipping on the pre-tax bill, but many people tip on the total for simplicity. The difference is small: on a $60 bill with 8% tax, a 20% tip is $12.00 on the pre-tax amount and $12.96 on the total. Enter whichever amount you prefer as the bill.
How much to tip in the United States
Customs vary by service, and none of these are legal requirements. Common guidelines:
| Service | Common tip |
|---|---|
| Sit-down restaurant | 15% to 20% of the pre-tax bill |
| Bartender | $1 to $2 per drink, or 15% to 20% of the tab |
| Food delivery | 15% to 20%, with a minimum of a few dollars |
| Hair stylist or barber | 15% to 20% |
| Taxi or rideshare | 15% to 20% |
| Hotel housekeeping | A few dollars per night |
Check the bill for an automatic service charge, which is common for large groups. If one is already added, you do not need to tip that percentage again.
Outside the United States, tipping norms differ. In the UK a 10% to 12.5% service charge is often added to restaurant bills, and in many European countries rounding up is common.
Are tips taxed in 2026?
Tips are still taxable income that must be reported, but for tax years 2025 to 2028 eligible workers in occupations that customarily receive tips can deduct up to $25,000 of qualified tips a year, whether or not they itemize. The deduction shrinks by $100 for each $1,000 of modified AGI above $150,000 ($300,000 for joint filers). Social Security and Medicare taxes still apply. See the IRS page What the “No Tax on Tips” deduction means for you.
Splitting the bill with a tip
Groups often need the tip and the split at the same time, which a tip calculator handles in one pass. Take a dinner bill of $86.40 for four people. A 20% tip is $17.28, so the total is $103.68 and each share is $25.92. At 18% the tip is $15.55, the total $101.95 and each share about $25.49. The tip calculator does this in one step when you enter the number of people.
A few habits avoid arguments at the table:
- Agree on the percentage before anyone pays, then round each share up to the next dollar rather than down.
- If one person ordered much more, split by what each ordered and apply the same tip percentage to each part.
- Check the receipt for an automatic service charge, common for groups of six or more. If one is included, you do not need to add a full tip on top.
- When paying by card, write the tip and the total clearly so no one can change the figure.
Use the tip calculator for the arithmetic. For delivery, counter service and other situations where norms vary, the tip calculator still does the math; you only decide the rate.
Related converters and calculators
Related tools:
- Percentage calculator: any percent
- Discount calculator: sale prices
- Sales tax calculator: tax on a bill
- Overtime tax calculator: related 2025 deduction
Sources
IRS: What the “No Tax on Tips” deduction means for you; IRS: One, Big, Beautiful Bill provisions; Emily Post Institute: General tipping guide.
Questions about this calculator
How do I calculate a 20% tip?
Multiply the bill by 0.20, or find 10% by moving the decimal one place left and double it. On $64, that is $12.80.
Should I tip on the total with tax?
Etiquette guides suggest the pre-tax amount, but tipping on the total is common and the difference is small.
How do I split a tip between several people?
Enter the number of people. The calculator divides the total, including the tip, evenly.
What is a good tip at a restaurant?
In the United States, 15% to 20% of the pre-tax bill is the common range for sit-down service.
Are tips taxed?
Yes, tips are taxable income, but for 2025 to 2028 eligible workers can deduct up to $25,000 of qualified tips on their federal return, subject to income limits.
Check the assumptions and units before relying on a result. Financial, tax and health estimates do not replace advice for your individual circumstances.
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