Finance · everyday

Tip Calculator & Bill Splitter

Regional norms, correct tip-on-pre-tax handling, and fair splitting when everyone ordered something different.
split evenly or fairly
Region Varies by country. Tipping norms differ sharply between countries; the tool carries a regional guide. Check the norm for where you actually are, not where you live.

The bill

$

The tip

Service is already included — an extra tip is optional. Any tip below is still calculated on the pre-tax subtotal only (not on top of the service charge line).

Splitting the bill

What everyone owes

Tip amount
Grand total
incl. tax & tip
Per person
Important Not financial advice. Every figure here is an illustrative estimate for general information and education. It is not financial, investment, tax, mortgage or legal advice, not a personal recommendation, and not a quote or an offer. Rules of Thumb is not authorised or regulated by the Financial Conduct Authority and does not carry out regulated activities. Rates, fees and thresholds change and may be out of date. Before acting on anything here, speak to a qualified financial adviser, mortgage broker, accountant or your lender, who can take your own circumstances into account. See the Terms of Use.
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Suggested tips

Detail

Breakdown

Field notes

What actually varies by region — and what doesn't

How it works

Tip on the bill, not the receipt

The one rule that holds almost everywhere tipping exists at all: the tip is calculated on the pre-tax subtotal, not on the total after tax is added. Sales tax is money the restaurant collects on behalf of the government, not revenue the server had any part in earning — tipping on top of it quietly inflates the tip by whatever the local tax rate happens to be, which several sources specifically flag as a common visitor mistake in Canada and the US. This tool always computes the tip from the subtotal you enter, then adds tax separately, so the two never get tangled together by accident.

Worked example

A $80.00 bill with 8% tax and a 20% tip: the tip is $16.00 (20% of $80, not 20% of $86.40), tax is $6.40, and the grand total is $102.40 — split evenly three ways, that's $34.13 each.

Split unevenly instead — say one person ordered $22.50, another $35.00, another $12.50 (the same $70 subtotal split differently) — and each person's tax and tip scale with what they actually ordered: the $35 order carries $2.80 of tax and $7.00 of tip, the $12.50 order carries $1.00 and $2.50, summing back to the exact same grand total either way.

Why does US/Canada tipping etiquette keep climbing?

Multiple 2026 tipping guides note that 15% — long the textbook "standard" — now reads as a sign something went wrong; 18–20% has become the baseline for ordinary good service, with 22–25% reserved for genuinely excellent service. This tool's US/Canada presets reflect that shift rather than the older, lower figures still repeated in a lot of older advice.

The UK/Europe presets are lower than the US ones — is that an error?

No — it's the actual, well-documented difference. Service staff in the UK and most of Western Europe are paid at least a legal minimum wage regardless of tips, and in many cases a 10–12.5% "service charge" is already added to the bill before you'd add anything else. Always check the bill first; if a service charge is already there, an additional tip is a bonus, not an expectation.

What about Japan and South Korea?

Genuinely different, not just a lower number — tipping isn't customary and can come across as odd or even mildly insulting, since excellent service is considered the cultural standard rather than something that warrants extra payment. The regional note for this preset says so directly rather than suggesting a percentage that doesn't apply.

Why split tax and tip proportionally instead of just splitting the whole bill evenly?

Because "evenly" quietly overcharges whoever ordered less and undercharges whoever ordered more — fine among close friends who don't mind, but not actually fair when a table has very different orders. Proportional splitting means everyone's share of tax and tip matches their share of what was actually ordered, verified to sum back to the exact same grand total as splitting evenly would.

What this page assumes

That the tip is calculated on the pre-tax subtotal, and that no service charge or gratuity has already been added to your bill — if one has, tipping on top is paying twice. The presets are customary norms drawn from etiquette guidance, not rules; they vary by city, venue and occasion, and they drift over time. Tax and tip are split in proportion to each person's share rather than evenly. The arithmetic is identical in any currency.

Regional norms are genuine guidelines, not rules. Individual establishments, service quality, and personal judgement all matter more than any percentage a website gives you — when in doubt, a bit more is rarely the wrong call.
Version history · site-wide passes only

This page has changed in 48 archived releases, but each of those was a site-wide pass, so none is attributable to this tool on its own and none is listed here. That is not a claim that the tool never changed — a release that reworked many pages at once may well have altered this one too. The changelog has them.