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
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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

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Tip amount
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Grand total
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incl. tax & tip
Per person
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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 Rates, fees and thresholds change and may be out of date.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

How it works

Tip on the bill, not the receipt

Tip on the bill, not the receipt

The one rule that holds almost everywhere: tip on the pre-tax subtotal. Tax is collected for the government, so tipping on it inflates the tip by the local tax rate.

A service charge is the tip

In the UK and much of Western Europe a 10–15% service charge is often added automatically. Check before adding anything: tipping again can mean double-tipping.

No tipping is not bad service

In Japan, South Korea and several other countries high service is simply the cultural default, not something tied to extra payment.

Proportional splitting

Tax and tip follow what each person ordered, so the $12 salad does not quietly subsidise the $40 steak, and the shares add back to the exact grand total.

Worked example. An $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 three ways it does not divide to the cent: two pay $34.13 and one pays $34.14, which is exactly $102.40. Split by order ($27.50, $40.00, $12.50), each person’s tax and tip scale with their order: the $40 order carries $3.20 of tax and $8.00 of tip and comes to $51.20.
Field notes

What actually varies by region — and what doesn't

The pre-tax rule is nearly universal

Wherever tipping happens at all (US, Canada, the Caribbean, parts of Asia and the Middle East), tax is added by the government, not earned by the server, so the tip is conventionally based on what the food and drink actually cost.

1¢

A bill rarely divides to the cent

Split $102.40 three ways and the exact share is $34.1333… Everyone at $34.13 leaves the table a cent short; everyone at $34.14 pays a cent too much. The fair answer is two at $34.13 and one at $34.14, and the page says which. Rounding everyone up to a whole unit is a bigger tip, and the page shows how much bigger.

Questions

What people ask

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 unless you choose the after-tax total, 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 · 2 releases
  1. v6.302026-10-02Tip Calculator: splits that add up to the cent, rounding that says what it costs, shared items and names, and the total at every tip
  2. v6.312026-10-02BMI Calculator: waist-to-height alongside BMI, the bands as weights at your height, a draggable chart, and no more "Infinity"

Releases in which this page changed, newest last. Derived from the archived copy of every release, not from notes written afterwards — so it reflects what actually shipped. Site-wide passes are left out; they are in the full changelog.

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