Finance Tip calculator
Work out the tip and the total, split it between any number of people, and round the tip or the total up to a clean number.
Total to pay
$75.52
Bill plus a 18.0% tip.
Tip
$11.52
- Bill
- $64.00
- Tip
- $11.52
- Total
- $75.52
- Effective tip
- 18.0%
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Reembun. (2026, July 28). Tip calculator. https://reembun.com/tip-calculator
How to use it
Enter the bill
Type the total as printed on the receipt.
Set the tip
Pick one of the common percentages or type your own.
Split it
Split between sets the number of people and gives the figure each one owes.
Round it off
Rounding can round the tip up or the total up, so the payment lands on a clean number.
The arithmetic
tip = bill × (percentage ÷ 100)
total = bill + tip
each = total ÷ number of peopleSimple enough to do in your head, which is why the useful part of a tip calculator is not the multiplication but the rounding and the splitting.
A worked example
A $64 bill at 18%, split three ways:
- Tip: $11.52
- Total: $75.52
- Each person: $25.17
Round the total up to $76 and each person pays $25.33, with the effective tip rising to 18.75%.
Doing it in your head
The reliable method is to build the percentage from pieces rather than multiplying directly.
10%: move the decimal point one place left. On $64, that is $6.40. 5%: half of the 10%. $3.20. 20%: double the 10%. $12.80. 15%: 10% plus 5%. $9.60. 18%: 20% minus 2%, where 2% is a fifth of the 10%. $12.80 − $1.28 = $11.52.
That last one is worth practising, because 18% is the most common default on a US card terminal.
Tipping norms by country
Customs vary more than visitors expect, and getting it wrong in either direction is uncomfortable.
| Where | Table service | Notes |
|---|---|---|
| United States | 18-20% | Servers are often paid a tipped minimum wage |
| Canada | 15-20% | Similar to the US |
| United Kingdom | 10-12.5% | Often added as an optional service charge |
| France, Italy, Spain | Round up | Service is legally included |
| Germany | 5-10% | Round up and state the total when paying |
| Japan | None | Can cause genuine discomfort |
| Indonesia | Round up | 5-10% service charge often already on the bill |
| Australia | None expected | Wages are not tip-dependent |
Where a service charge already appears on the bill, an additional tip is optional and usually unnecessary.
Card terminals and suggested tips
Many US card terminals now suggest percentages calculated on the post-tax total, and the suggested options often start at 20%. That is a change from the older convention and it is worth noticing: the terminal’s “20%” can be closer to 21.6% of the pre-tax subtotal.
If you would rather set your own figure, most terminals allow a custom amount. Working it out on the subtotal and entering it manually is the only way to control what you actually pay.
Common questions
Should I tip on the pre-tax or post-tax total?
Conventionally on the pre-tax subtotal, since tax is not part of the service. In practice most people tip on whatever total is printed on the bill, and the difference on a $60 meal at 8% tax is about a dollar. Nobody will notice either way, and if you want to be precise, enter the subtotal rather than the total.
How much should I tip?
It depends entirely on where you are. In the United States 18-20% is the norm for table service and tipping is a substantial part of server income. In much of Europe service is included and rounding up is enough. In Japan tipping can cause genuine awkwardness. There is no universal right answer, only a local one.
What does rounding do to the percentage?
It moves it, sometimes noticeably on a small bill. Rounding a $9.60 tip up to $10 on a $48 bill takes the effective rate from 20% to 20.8%. The calculator shows the effective percentage after rounding so you can see exactly what you settled on.
How do I split unevenly?
This calculator splits evenly, which covers most cases. For an uneven split, work out each person's share of the subtotal first, then apply the same tip percentage to each share. That keeps the tip proportional to what each person actually ordered.
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