Tip Calculator
Free tip calculator for 2026: split the bill any way you like, tap 10-25% presets or drag the slider, tip on the pre-tax subtotal, and round up each share.
Last reviewed: January 2026 · Tax data verified against IRS Publication 15-T & state revenue departments
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How This Calculator Works
The math is one line: Tip = Bill × rate. Enter the check total, tap a preset (10, 15, 18, 20, or 25 percent) or drag the slider anywhere from 0 to 40, and the tip, the all-in total, and each person's share update as you type. The quick-scan table underneath shows the same bill at all five common rates, so you can settle the '18 or 20?' debate in one glance. On a $50.00 check, 18% is a $9.00 tip for a $59.00 total; 20% is $10.00 and $60.00.
Tipping norms in the US are custom, not law. For full table service the customary range runs about 15% to 20% of the bill, with 18% as the everyday default most payment screens now suggest. Counter service and takeout are typically less — often 10% to 15% or nothing at all. Large parties should read the check first: many restaurants print an automatic gratuity (commonly 18% to 20%) directly onto the bill, and tipping on top of a service charge is paying twice.
The pre-tax toggle answers the classic 'do I tip on tax?' question. Combined sales-tax rates run from zero in a few states to past 10% in the highest cities, and the customary method tips on the food subtotal only. Enter the tax rate printed on your check — say 8.25% — and the calculator backs it out: a $50.00 total becomes a $46.19 tip base, so an 18% tip is $8.31 instead of $9.00. Small per meal, real money over a year.
Splitting is built in. Set the number of people — anywhere from 1 to 20 — and every output is divided for you. A $120 dinner at 20% is a $144 total, which is $36 a head for four people, $6 of it tip. Flip on round-up and awkward shares like $29.50 become a clean $30, with the extra $2 added to the tip automatically. Use it when the group is paying in cash and nobody wants the coin math.
Why does this live on a tax site? Because tips are after-tax money. Your take-home pay funds the tip, so if you are budgeting for dining out, first check what actually lands in your bank each month with the paycheck calculator, then set your restaurant budget from that number. And if you are on the other side of the table: tips are taxable income, and the IRS expects them reported.
How It's Calculated
Formula
Step-by-Step
- 1Enter the bill total from the check (e.g., $50.00)
- 2Pick a tip rate — a preset chip, the 0-40% slider, or type one (18%)
- 3Tip = Bill × 18% = $50.00 × 0.18 = $9.00
- 4Total = Bill + Tip = $50.00 + $9.00 = $59.00
- 5Per person: divide the total by N people ($144 ÷ 4 = $36 each on a $120 bill at 20%)
- 6Pre-tax option: subtotal = $50.00 ÷ 1.0825 = $46.19, so 18% = $8.31
Example
For detailed data sources and full methodology, see our Methodology & Data Sources page.
Key Rates & Data for 2026
Customary table-service tip
15%–20% of the pre-tax bill
Counter service / takeout
Often 10%–15% or none
Large-party auto-gratuity
Commonly 18%–20% — read the check
Typical combined sales tax
~0%–10% depending on state + city
Mental 15% shortcut
10% of the bill + half of that
Frequently Asked Questions
How much should I tip at a restaurant in the US?
How do I calculate a tip without a calculator?
How do I split a bill and tip evenly between friends?
Should I tip on the pre-tax or after-tax amount?
What does the round-up option actually do?
Is tipping legally required in the US?
How do I tip when using a coupon, gift card, or comped item?
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