How do I calculate a tip?

Multiply the bill by the tip percentage written as a decimal. A $85.00 bill at 18% is $85.00 × 0.18 = $15.30, so the total is $100.30. The calculator does this to the cent and shows the tip and total as soon as you type.

How do I split a bill with a tip?

Add the tip to the bill and divide the total by the number of people. For $100.30 among 3 people that is $33.43 to $33.44: the total does not divide evenly, so the shares differ by one cent, and together they add up to $100.30 exactly. The calculator says how many people pay the extra cent.

Should I tip on the amount before or after tax?

Both are done and customs vary: some people tip on the amount before tax, others on the full total. On a $100.00 bill with $10.00 tax at 20%, the tip is $20.00 before tax and $22.00 after tax. Use the “Tip is based on” setting to pick either.

What does “effective tip” mean?

When you round up, the tip you actually leave is a little more than the percentage you chose. The effective tip is the tip you leave divided by the amount it is based on. For the example, rounding the total up to a whole dollar turns an 18% tip into 18.82%.

What happens when the bill does not divide evenly?

Money comes in whole cents, so some people pay one cent more. The calculator splits the total as evenly as possible and tells you how many people pay the higher amount, so the shares add up to the total with nothing lost. For example, Of the 3 people, 1 pays $33.44, one cent more than the other 2 ($33.43),.

What is the difference between rounding each share and rounding the total?

Rounding the total up to a whole dollar leaves a total such as $101.00, which may still split into shares with cents ($33.66 to $33.67). Rounding each person’s share up makes every share a whole dollar, so everyone can pay in notes, at the price of a slightly bigger tip: $34.00 each, $102.00 in all. A bill that already ends on the right amount is not changed: $144.00 among 4 stays $36.00 each.

How much should I tip?

It depends on where you are, the kind of place and the service. Customs vary widely: in some places a tip is expected, in others a service charge is already included or tipping is uncommon. Check the bill for a service charge before adding a tip, and ask locally if you are unsure. The table above shows common percentages so you can compare them.

Does it work for euros or pounds?

Yes. Choose $, €, £ or no symbol; the symbol only changes how amounts are written. There are no exchange rates and no currency conversion, and rounding to a whole unit means a whole dollar, euro or pound.

Is anything I type stored or sent?

No. The calculation runs in your browser and nothing you enter leaves your device.

Tip Calculator

To work out a tip, multiply the bill by the tip percentage: a $85.00 bill with an 18% tip split 3 ways is a $15.30 tip and a $100.30 total, or $33.43 or $33.44 each. Enter the bill, choose a tip percentage (quick buttons run from 10% to 25%, or type your own), set how many people are sharing, and the calculator shows the tip, the total, and each person’s tip and share. Everything is worked out in whole cents, so the shares always add up to the total exactly, and when the total does not divide evenly it tells you who pays the extra cent. You can tip on the amount before or after tax, and round up to a whole dollar, with the effective tip percentage shown afterwards.

Updated 2026-10-03Runs in your browser: nothing you enter is uploadedHow this tool works

Each person pays $33.43 or $33.44

Tip $15.30, total $100.30, split 3 ways.

Bill: $85.00
Tip (18% of the bill): $15.30
Total: $100.30
Tip per person: $5.10
Total per person: $33.43 to $33.44

Tip amounts for common bills

Each cell is the tip on that bill at that rate, to the cent; add it to the bill for the total.
Bill	15% tip	18% tip	20% tip	25% tip
$20.00	$3.00	$3.60	$4.00	$5.00
$50.00	$7.50	$9.00	$10.00	$12.50
$100.00	$15.00	$18.00	$20.00	$25.00
$150.00	$22.50	$27.00	$30.00	$37.50

What rounding does to the example

The $85.00 bill with an 18% tip split 3 ways, three ways of paying it.
Rounding	Tip	Effective tip	Total	Each person pays
None	$15.30	18%	$100.30	$33.43 to $33.44
Total rounded up to a whole dollar	$16.00	18.82%	$101.00	$33.66 to $33.67
Each share rounded up to a whole dollar	$17.00	20%	$102.00	$34.00

How to calculate a tip and split the bill

Enter the bill. Type the amount on the check. If you want to tip on the amount after tax, or just see the tax in the total, add the tax in its own field. The example is a $85.00 bill.
Pick a tip percentage. Press a quick button (10, 15, 18, 20, 22 or 25) or type any percentage, such as 17.5. The tip is the bill times the percentage: $85.00 × 18% = $15.30.
Choose what the tip is based on. Tip on the amount before tax, or on bill plus tax. With a $100.00 bill, $10.00 tax and a 20% tip, that is $20.00 before tax or $22.00 after tax.
Set the number of people. Enter how many are sharing. The total is divided so the shares add up exactly: $100.30 among 3 is $33.43 to $33.44.
Round if you like. Rounding a total up to a whole dollar raises the tip: the example becomes $101.00 with an effective tip of 18.82%. Rounding each person’s share up gives $102.00 and 20%.

Frequently asked questions

How do I calculate a tip?: Multiply the bill by the tip percentage written as a decimal. A $85.00 bill at 18% is $85.00 × 0.18 = $15.30, so the total is $100.30. The calculator does this to the cent and shows the tip and total as soon as you type.
How do I split a bill with a tip?: Add the tip to the bill and divide the total by the number of people. For $100.30 among 3 people that is $33.43 to $33.44: the total does not divide evenly, so the shares differ by one cent, and together they add up to $100.30 exactly. The calculator says how many people pay the extra cent.
Should I tip on the amount before or after tax?: Both are done and customs vary: some people tip on the amount before tax, others on the full total. On a $100.00 bill with $10.00 tax at 20%, the tip is $20.00 before tax and $22.00 after tax. Use the “Tip is based on” setting to pick either.
What does “effective tip” mean?: When you round up, the tip you actually leave is a little more than the percentage you chose. The effective tip is the tip you leave divided by the amount it is based on. For the example, rounding the total up to a whole dollar turns an 18% tip into 18.82%.
What happens when the bill does not divide evenly?: Money comes in whole cents, so some people pay one cent more. The calculator splits the total as evenly as possible and tells you how many people pay the higher amount, so the shares add up to the total with nothing lost. For example, Of the 3 people, 1 pays $33.44, one cent more than the other 2 ($33.43),.
What is the difference between rounding each share and rounding the total?: Rounding the total up to a whole dollar leaves a total such as $101.00, which may still split into shares with cents ($33.66 to $33.67). Rounding each person’s share up makes every share a whole dollar, so everyone can pay in notes, at the price of a slightly bigger tip: $34.00 each, $102.00 in all. A bill that already ends on the right amount is not changed: $144.00 among 4 stays $36.00 each.
How much should I tip?: It depends on where you are, the kind of place and the service. Customs vary widely: in some places a tip is expected, in others a service charge is already included or tipping is uncommon. Check the bill for a service charge before adding a tip, and ask locally if you are unsure. The table above shows common percentages so you can compare them.
Does it work for euros or pounds?: Yes. Choose $, €, £ or no symbol; the symbol only changes how amounts are written. There are no exchange rates and no currency conversion, and rounding to a whole unit means a whole dollar, euro or pound.
Is anything I type stored or sent?: No. The calculation runs in your browser and nothing you enter leaves your device.

How it works

Money is handled as whole cents in integer arithmetic, and the tip percentage is an exact fraction, so there is no floating-point error: 15% of 33.30 is exactly 4.995, which is rounded to a cent once, half up (5.00). The tip is the percentage of the bill, or of the bill plus tax if you choose that, rounded to the cent. The total is bill plus tax plus tip. With “round the total up”, the total is raised to the next whole unit if it is not one already, and the difference is added to the tip. With “round each share up”, the total is raised to the next multiple of one whole unit times the number of people, so every share is a whole number of units. The effective tip is the final tip divided by the amount the tip is based on, shown to two decimals. To split, the total is divided by the number of people with a remainder in cents; that many people pay one cent more, so the shares add up to the total exactly. The tip is split the same way. Amounts with more than two decimals are rounded to the nearest cent. Tipping customs differ between places and situations; the calculator only does the arithmetic and makes no claim about what is expected. Everything runs in your browser and nothing you type is sent anywhere.

Sources

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