Smart Tip Calculator

Calculating a tip shouldn’t slow you down. Enter your check total. Choose a tip percentage that you like.

If you are splitting the bill, add the number of people. This will show you what each person owes.

Prefer not to tip on tax? Just choose “Do not tip on tax.” Then, enter the tax from your receipt. The calculator will calculate the tip based only on the pre-tax amount.

In seconds, you will see the pre-tax subtotal, the tax, your tip, and the total. If you are dining with friends, you will also see the amount per person. Quick, accurate, and designed for real-world use at restaurants, bars, and cafés.

How to Calculate a Tip

Tipping is a simple way to recognize good service. In the United States, most people leave somewhere between 15% and 20%.

The easiest method is to multiply your bill by one plus your tip rate as a decimal. For example, a 20% tip becomes 1.20, so your total with tip is the bill multiplied by 1.20.

To see the tip amount first, multiply the bill by the tip percentage in decimal form. For example, use 0.18 for 18%.

This will give you the tip amount. Then, add that number to your bill for the final total. Either path leads you to the same place; choose whichever feels more comfortable.

Skipping Tip on Tax

Many people prefer to tip only on the amount before tax. To do this, first subtract the tax from the total. Then, calculate your tip based on the pre-tax amount. Finally, add the tip back to the original total.

For example, if your bill is $52.00 and the tax is $4.00, you can calculate the tip. First, find the pre-tax amount, which is $48.00. Then, calculate the tip by multiplying $48.00 by 0.18. This gives you a tip of $8.64.

Finally, add the tip to your bill. Your total payment will be $60.64. This approach keeps your gratuity tied to the cost of the meal itself, which many diners prefer for fairness and clarity.

How to Calculate a Tip on Your Phone  

You don’t need a special app to do tip math on the spot. Open your phone’s calculator and use a single multiplication to get the total with tip: bill × (1 + tip%). For an 18% tip, multiply by 1.18, and the result is exactly what you’ll pay.

Would you like to see the tip alone? Multiply the bill by 0.18 to get the tip amount, then add that to the bill for your all-in total. This one-handed method is fast, discreet, and perfect for the table.

Example Tip Calculation

Imagine dinner for two costs $26.50, and the service was solid. Converting 18% to a decimal gives 0.18, so the gratuity is $26.50 × 0.18 = $4.77. To get the full amount in a single step, multiply by 1.18: $26.50 × 1.18 = $31.27. That’s your final, tip-included total—no second calculation required.

Mental Math You Can Trust

If you like quick estimates without pulling out your phone, start by finding 10% of the bill by moving the decimal one place left. On a $26.50 bill, 10% is $2.65. Double it for 20% ($5.30) or split the difference for 15% (add half of $2.65, about $1.32, to get roughly $3.97).

From there, adjusting to 18% is simple—aim just under the 20% number, around $4.75 to $5.00. These back-of-the-napkin checks are great for double-checking the calculator or keeping things moving when the table’s ready to leave.

Splitting the Check Without Awkwardness

When you share the bill, use a calculator. Divide the total, including tip, by the number of people.

This way, everyone pays their fair share. For example, if the final total is $120 and there are four diners, each person pays $30. This keeps things transparent and friendly, and you won’t have to argue over who owes what.

About Automatic Gratuity

Some restaurants add a gratuity—often 18% to 20%—for large parties or special events. If your receipt shows it, you’re covered. You don’t need to give a second tip unless you want to. You can always use the calculator to confirm the percentage and make sure the numbers align with your expectations.

What Feels Right

Great service is personal, and your tip can be too. When you tip, think about your experience.

You can round up to a clean number. You can tip on the pre-tax amount. You can also leave a little extra for great service.

Choose a tip that fits your experience. This tool and the simple methods above are here to make the math painless—so you can say “thanks” and get on with your day.

How Much Should You Tip?

Tipping is a simple way to show appreciation, but the “right” amount changes from place to place. In the United States, tips at restaurants and bars are usually between 15% and 20%.

This can change based on the service quality. Elsewhere, customs range from rounding up the bill to not tipping at all. If you are traveling, a quick look at local customs can help. What is kind in one country may seem strange in another.

• Argentina: Not required, but a 10% cash tip in restaurants is a thoughtful thank-you; bar tips are optional and appreciated.
• Australia: Tipping isn’t routine. A few dollars at restaurants is kind; bar tipping is uncommon. Prices include a 10% GST.
• Belgium: Keep it low-key—when paying cash, let the server keep the change for good service.
• Brazil: Bills often include a 10% service charge. If not, leaving around 10% is polite; taxes are typically included in menu prices.
• Caribbean: Plan on 10–20% based on service. Many places include a service charge—if you see it on the bill, you don’t need to give extra.
• Chile: ~10% is standard; in tourist hot spots, 15–20% can be more typical.
• China: Tipping isn’t part of everyday dining—exceptions: high-end restaurants and organized tours (guides/drivers).
• Croatia: 10% is a good baseline—more for standout service, ideally in cash. In cafés/bars, leave a couple of euros.
• Denmark: Not expected. If you see a service fee, it usually goes to the business. Add ~10% only for exceptional service.
• Egyp: People expect and welcome tips. Even with a service fee, adding ~10% is considerate.
• Estonia: You can choose to give 10% for good service, and people warmly appreciate it.
• France: Many places commonly include service, so you feel no pressure to tip. Add 5–10% for especially attentive service.
• French Polynesia: People usually accept a small cash thank-you, even though it is not standard.
• Germany: Tip by service level: 5–10% is common, up to 15% for excellent service. Cash helps it reach your server.
• Greece: If the service includes a charge, add 5–10% for great service; if it does not, customers typically give 15–20%. In cafés/bars, round up a few euros.
• Hong Kong: Many restaurants automatically add 10%, so customers don’t expect extra tipping and may misunderstand it.
• Iceland: Restaurants often include service in the bill. You do not need to tip, but many people appreciate a small extra tip.
• India: A listed service charge covers tipping. Without it, 10–15% is customary, tied to service quality.
• Italy: Not expected, but 5–10% for warm, attentive service is welcome.
• Japan: Some people may find tipping rude because they expect good service. In tourism, people often accept small tips. Giving them quietly, preferably in an envelope, is best.
• Mexico: Restaurants: 10–15%. At casual spots or stalls, you don’t need to tip; putting coins in a tip jar adds a nice touch.
• Morocco: In casual places, round up and leave the change; at nicer restaurants, ~10% is standard.
• Netherlands: Service is usually included. Round up or say “keep the change”; tip more only if you prefer.
• New Zealand: Although not expected, customers appreciate a few dollars or about 10% for standout service.
• Norway: You do not need to tip, but people commonly give 10–20% in restaurants for good service. As a visitor, 5% is a polite minimum.
• Peru: You should round up at cafés, and upscale restaurants expect a 10–15% tip.
• Philippines: Tipping wasn’t traditional but is more common now. Not required; ~10% is generous if you choose to tip.
• Poland: Gratuities are modest. Leave something for good service—preferably in cash.
• Russia: No pressure, but 5–15% is appropriate when service is strong.
• South Africa: Similar to the U.S.: 10–20% depending on service. If a service charge appears, top up to what feels fair.
• South Korea: Generally, no tipping; it can feel out of place. High-end hotels may add a fee; taxis appreciate “keep the change.”
• Spain: Service is often included at full-service restaurants. In cafés/bars, round up or leave small change.
• Sweden: Extremely relaxed norms. If there’s no service charge, 10–15% is kind—but not required.
• Switzerland: Many diners round up. In upscale settings with standout service, ~10% are courteous.
• Thailand: Casual spots and street vendors don’t expect tips; leave the change if you like—nicer restaurants: 10–15%.
• Turkey: People prefer cash: 5–10% for casual, 10–15% for upscale. At bars, leave the change.
• United Kingdom: Many restaurants add a 10–12.5% service charge. If absent, 10–15% is typical. In pubs, leave your change or a few pounds.
• United States: Customers expect to tip 15–20% at restaurants and $1 per drink or about 20% for cocktails at bars. Counter-service prompts are optional—tip as you feel.
• Vietnam: Street vendors don’t expect tips. In restaurants, customers appreciate a tip of 10–15%, preferably in cash—even if they include a service charge.

Travel note: Etiquette can shift by city, venue, and time. Use these as friendly baselines, then check local guidance or ask staff what’s customary. Above all, tip what feels right for your experience and your budget.

Helpful Money Tools to Keep You in Control 

Planning your budget goes beyond dinner. If you’re managing loans, rates, or payoff goals, these calculators pair perfectly with smarter tipping habits:

• Map out loan payments with an Amortization calculator.
• Compare rate periods using a monthly to annual APR calculator.
• Lower your car payment with an Auto Refinance Calculator.
• Explore payoff timelines using a PMI Removal Calculator.
• Estimate benefits and costs with a VA residual income calculator.
• Check borrowing readiness via VA home loan debt-to-income.
• Plan for property purchases with a Land loan calculator.
• Test scenarios with an interest-only Mortgage calculator.