M
MoneyMath

Tip Calculator & Bill Splitter

Calculate the tip, total, and per-person split. Works for group dinners, catering, and Venmo-style reimbursement messages. Handles tax-excluded vs tax-included tipping.

🟢 Updated April 2026👤 Reviewed by MoneyMath Editorial⚡ Runs in your browser · no data sent
$
Per Person
$25.50
4 people · $102.00 total
Subtotal (bill)$85.00
Tip (20%)$17.00
Grand total$102.00
Each person pays$25.50
Copy-paste for Venmo:
Dinner split — you owe $25.50

How much to tip in the US (2026 norms)

  • Sit-down restaurant: 18-20% (minimum 15% for poor service)
  • Delivery (DoorDash, UberEats): 15-20% minimum $3-5
  • Bartender: $1-2 per drink OR 15-20% of tab
  • Coffee counter: 10-15% if complex drink, $1 for basic
  • Hair stylist / barber: 15-20% on total service
  • Nail tech, massage therapist: 15-20%
  • Taxi / Uber / Lyft: 15-20%
  • Buffet: 10% (server is just refilling drinks)
  • Hotel housekeeping: $2-5/night, left daily
  • Valet: $2-5 when car returned
  • Pizza delivery: $3-5 or 15%, whichever is higher

Should you tip on pre-tax or post-tax total?

Historically pre-tax. Some restaurants now pre-fill suggested tips on the post-tax total — a sneaky ~8% boost. Either is socially acceptable; pre-tax is fairer to you. If the bill is prix-fixe and tax is relatively small, the difference is negligible.

Large party gratuity

Many restaurants auto-add 18-20% gratuity for groups of 6+. Check the bill — you don't have to tip extra if gratuity is already included.

Tipping abroad

Tipping norms vary wildly. Japan: don't tip (can be offensive). UK/Europe: 10-12% if not already included as service charge. Australia/NZ: not expected. Mexico/Caribbean: 10-15%. When in doubt, check the bill for "service charge included."

Frequently Asked Questions

Should I tip on the alcohol portion?

Yes. Servers earn tips on the full bill including drinks. Some people tip 15-20% on food and $1-2 per drink for bartender portion — acceptable at upscale places with a separate bar.

What if I can't afford to tip?

Then don't dine out. Tipping is part of the social contract in the US — most servers earn $2.13-$5/hr in base wages and rely on tips. If you can't afford 15-20% on top of the bill, you can't afford the meal.

Do I tip if gratuity is already included?

Not required. Most people don't tip extra if "18% gratuity" or "service charge" is already added. If service was exceptional, a few extra dollars is appreciated but not expected.

How do I handle an uneven group split?

Use a dedicated app like Splitwise for itemized tracking. Or — write everyone's order cost, calculate each person's share + their proportional tip. This calculator assumes equal split.

Is the suggested tip on pre-tax or post-tax?

Most POS systems default to post-tax (looks like a bigger tip). The suggested percentages here apply to the pre-tax subtotal by default — toggle the option to include tax.