This tip calculator figures tip amount and total bill from a check amount and tip percent, with optional split support depending on the tool fields. Customs vary by country and venue; the math stays consistent.
Tipping customs vary by country and venue, but the math is consistent. Multiply the bill by your tip percent, then add that tip to the bill. Taking a percent off a price works the other way; see how to calculate a discount. This tip calculator keeps restaurant tipping separate from general percent of a number math so you can move quickly at the table.
Find related everyday tools under everyday math and the full calculators archive. For raw percent math without a tip framing, use the percentage calculator.
Tip = bill × tip percent ÷ 100, and total = bill + tip. A $86 bill at 20% is a $17.20 tip and a $103.20 total; split four ways, that is $25.80 each. Quick check: 10% is the bill with the decimal moved one place left ($8.60), so 20% is double that and 15% is 10% plus half of it.
What this tip calculator does
The calculator returns the tip dollars (or your currency) and the grand total. It does not split the tip across guests automatically in the core result, but you can divide the total by the number of people after you run it. Use it for restaurants, delivery, salons, or any service where a percent gratuity is expected.
Who it helps
- Diners choosing 15%, 18%, or 20% quickly
- Groups estimating a fair share after the tip
- Travelers converting a preferred tip habit into an exact amount
- Anyone who wants a free tip calculator without an account
How to calculate tip and total from a bill
- Enter the bill amount before or after tax, based on your local tipping custom.
- Enter the tip percent you want to leave.
- Read the tip amount and the total with tip.
- If splitting, divide the total by the number of guests.
How the calculation works
Tip = bill × tip percent ÷ 100
Total = bill + tip
Example: a $86.00 bill at 20% produces a $17.20 tip and a $103.20 total. If you tip on the pre tax subtotal instead, enter that subtotal as the bill so the tip matches your rule. This tool is an educational estimate of tip and total; it does not know local laws, service charge policies, or cash versus card tip routing.
| Input | Value |
|---|---|
| Bill | $86.00 |
| Tip percent | 20% |
| Tip | $17.20 |
| Total | $103.20 |
Tip chart
| Bill | 15% | 18% | 20% | 22% | 25% |
|---|---|---|---|---|---|
| $20 | $3.00 | $3.60 | $4.00 | $4.40 | $5.00 |
| $50 | $7.50 | $9.00 | $10.00 | $11.00 | $12.50 |
| $86 | $12.90 | $15.48 | $17.20 | $18.92 | $21.50 |
| $100 | $15.00 | $18.00 | $20.00 | $22.00 | $25.00 |
| $150 | $22.50 | $27.00 | $30.00 | $33.00 | $37.50 |
Pre-tax vs post-tax: on an $80 subtotal with 8.25% sales tax ($6.60), 20% is $16.00 on the subtotal or $17.32 on the taxed total.
Tip percent customs and judgment calls
Many U.S. full service restaurants land in the mid teens to around 20% for standard service, with higher tips for exceptional service or large parties where the house adds a service charge. Always check the receipt for an automatic gratuity so you do not double tip. In countries where service is included, a smaller round up may be enough.
Decide whether your tip percent applies to the pre tax total or the tax inclusive total. Both approaches are common. Consistency matters more than debating a few cents, but enter the base that matches the custom you follow. For example, on an $80 subtotal with 8.25% sales tax ($6.60), 20% is $16.00 on the subtotal or $17.32 on the taxed total.
Splitting the bill after tipping
After you have the total with tip, divide by the number of people for an equal split. If some guests ordered much more, allocate the tip on each person subtotal instead. The percentage calculator helps when you need an arbitrary percent of a shared subtotal.
Common mistakes on tax and split bills:
- Tipping again on top of an automatic service charge
- Using post tax total when your habit is pre tax
- Forgetting cash tips already left for the server
- Rounding the tip down so far that service staff lose meaningful pay
- Confusing tip math with discount or profit margin math
Related shopping and money tools
Sale prices belong on the discount calculator. Currency conversion before you tip abroad is on the currency converter. Keep this page focused on gratuity so it does not compete with general percent math pages.
When a flat tip may be better than a percent
For very small checks, a percent tip can look tiny in absolute dollars. Many people leave a modest flat amount instead so the server is not underpaid on coffee or appetizer only visits. Conversely, on very large catering bills, confirm whether a contract already includes service before stacking another percent.
Delivery apps may show a suggested tip that is separate from driver and restaurant fees. Read the fee line items, then use this calculator on the food subtotal or the amount you believe should be tipped under the app rules.
Card tips versus cash tips
Card tips are convenient and create a record, but some workplaces delay payout or share tips differently than cash. That does not change the tip formula, but it can change how you choose to tip. If you tip cash, still use the calculator so the amount matches your intended percent of the bill.
Tips and taxes in 2026 (for tipped workers)
| “No tax on tips” deduction | Rule |
|---|---|
| Maximum deduction | $25,000 a year, tax years 2025–2028 |
| Phase-out | Reduced by $100 for each $1,000 of MAGI over $150,000 ($300,000 joint) |
| Example | Single, MAGI $170,000 → maximum $23,000 |
| Married | Must file jointly to claim |
Source: IRS: what the no tax on tips deduction means for you. Estimate your own deduction with the no tax on tips calculator. Sales tax on the bill? See the sales tax calculator.
Related: how to calculate a tip · Percentage Calculator · No Tax on Tips Deduction Calculator.