Tip calculator
Choose a tip basis, round the total and split the bill down to the last cent.
How it works & useful details
Formula & assumptions
Tip is calculated on the pre-tax bill or bill plus the tax amount you enter. It rounds half up to cents. Optional rounding moves the total up to a whole currency unit and adds the difference to the tip. Splits use whole cents, assigning remainder cents to the first people. No automatic service charges are added; enter the bill amount you want to use.
Local planning workspace
These tools are planning aids, not financial, tax or legal advice. Values stay in this page. Nothing is sent, saved to your records or fetched from external services.
USD, EUR, GBP, CAD and AUD are labels with two decimal places. There is no currency conversion. Enter decimals with a dot and no commas. Money inputs are limited to 1 billion units; calculated amounts to 10 trillion. Rates are supplied by you, with up to four decimal places.
About this tool
Tip calculator works out a tip from a chosen basis, optionally rounds the total, and splits the bill down to the last cent. It is handy for restaurants, delivery, and group bills where everyone pays an equal share.
Choose whether the tip applies to the bill before or after tax, then set the tip rate and the number of people. The result shows the tip, the total, and the per-person amount with the rounding cent assigned.
How to use it
- Enter the bill amount and decide whether the tip is based on the pre-tax or post-tax total.
- Set the tip percentage and the number of people sharing the bill.
- Optionally round the total up to a whole currency unit; the difference is added to the tip.
- Read the tip, final total, and per-person share.
Worked example
Three people share a restaurant bill of 84.00 before tax, with 6.72 of tax on top, and want to leave 18% on the pre-tax amount.
- Tip basis: 84.00 (before tax).
- Calculated tip: 84.00 × 18% = 15.12.
- Total: 84.00 + 6.72 + 15.12 = 105.84, which splits evenly into three shares of 35.28.
With "Round total up to a whole unit" switched on, the total becomes 106.00. The extra 0.16 is added to the tip, so the tip paid is 15.28. 106.00 does not divide evenly by three, so the first person pays 35.34 and the other two pay 35.33. Every cent is accounted for, and the shares always add up to the total.
Pre-tax or post-tax tipping?
Etiquette guides often recommend tipping on the pre-tax amount, because the tax is not part of the service. In practice many people tip on the full total because it is the number printed at the bottom of the receipt. The difference is small on a single meal, 1.21 in the example above at 18%, but it grows with larger bills and higher tax rates.
If the receipt already includes a service charge or gratuity, check whether you want to tip again. Enter only the amount you want to tip on as the bill.
Frequently asked questions
Why do the per-person shares not add up exactly?
When a total does not divide evenly, one person carries the extra cent. The breakdown shows how the rounding is assigned.
What does the tip basis change?
It decides whether the percentage applies to the amount before tax or to the full bill including tax.
Does it include service charges already on the bill?
No. Enter the amount you want to tip on, and leave out any mandatory service charge you do not intend to tip again.
Which tip percentage should I use?
It depends on local custom and the service. The quick buttons offer 10, 15, 18, and 20 percent, and you can type any other rate. The calculator does not assume a country or a customary rate.