Tip Calculator

Calculate a tip, exclude included tax and split every cent fairly with clear rounding.

Split the final bill without losing a cent. Check for an existing gratuity or service charge first; this calculator adds a new tip.

Bill before new tip (tax already included)

Currency (display only)

People sharing equally (1–100)

Tip percentage (0–1,000%)

Exclude included tax from the tip calculationRound each person up to a whole currency unit (adds to the tip)

Calculated locally, without uploading amounts or saving bill history. Suggested percentages are shortcuts, not tipping rules. Limits: 1,000,000 bill amount, 100 people and two decimal places. Equal shares only.

This tool runs entirely in your browser. Your data is never uploaded, never stored, and never leaves your device.

Calculate a new tip on a clear tax basis and split the total into exact-cent payments, with transparent optional whole-unit rounding.

How to use it

1Enter the bill before a new tip, including any tax already charged.
2Set currency, people and tip percentage; optionally exclude included tax from the tip basis.
3Calculate the exact split and inspect any extra tip from whole-unit rounding.
4Copy or download the payment summary for your group.

Example

Input: 84.50 bill, 6.50 tax excluded, 15% tip, 3 people
Output: 11.70 tip; 96.20 total; 2 × 32.07 and 1 × 32.06

Whole-unit rounding off. The shares add up exactly.

What happens to your data

Calculations stay in your browser without uploading bill amounts or storing bill history. Copy/download creates a separate local record; currency selection is not exchange-rate conversion.

Last updated October 2026

Calculate a new tip and split the complete bill into payments that add up exactly. Choose whether to exclude tax already included in the bill from the tip basis, select a percentage and see who pays the extra cent when equal division is not possible. Optional whole-unit rounding shows precisely how much extra tip it adds.

Use it for an equal dinner split, a travel expense or checking a suggested tip amount. The percentages are arithmetic shortcuts, not advice about local tipping customs. Check your bill for an existing gratuity or service charge before adding another tip.

How it works

Enter the bill amount before a new tip, including any tax already on the bill. Choose one of the supported two-decimal currencies, enter 1–100 people and choose a tip rate from 0% to 1,000%, with up to two decimal places. The currency selector changes the label only; there is no exchange-rate conversion. Amounts use a decimal dot and no grouping commas. Maximum bill: 1,000,000 currency units.

By default the full bill is the tip basis. Exclude included tax subtracts the entered tax amount from that basis only. You still pay that tax as part of the original bill; no new tax is calculated or added. An included tax amount greater than the bill is rejected. The option is not an itemized service-charge adjustment.

The bill and tax are parsed as integer cents and the percentage as hundredths of a percent. BigInt arithmetic computes basis × rate ÷ 10,000 and rounds half a cent upward once, before splitting. The final total is divided into integer-cent shares. Any remaining cents are assigned one each to the first people in your agreed order. This is an equal split to the nearest possible cent, not a weighted or itemized allocation.

For an 84.50 bill with 6.50 included tax excluded, the tip basis is 78.00. A 15% tip is 11.70 and the total is 96.20. Split three ways: two people pay 32.07 and one pays 32.06. Asking everyone for 32.07 would collect an unnecessary extra cent; asking everyone for 32.06 would leave a shortfall.

Round each person up to a whole currency unit increases each equal share until the total covers the bill and selected tip. In that example, all three pay 33.00: total 99.00, final tip 14.50 and extra tip from rounding 2.80. The increase is shown separately rather than hidden in the chosen percentage. Uncheck it for the minimum exact-cent split.

Changing any input clears the previous split. Select Calculate split again to generate a fresh result. Copy bill summary or Download summary creates a plain-text record of the basis, chosen tip, rounding addition and each payment group. Calculations are local and bill history is not persisted. This calculator does not determine whether a fee is legally required, where it goes, or what tip is appropriate.

Worked example: three diners, tax excluded from the tip basis

Input: Bill 84.50; included tax 6.50; tip 15%; people 3
Result: Tip 11.70; total 96.20; two pay 32.07 and one pays 32.06

Whole-unit rounding is off. Tax stays in the bill but is excluded from the 78.00 tip basis.

Common use cases

Dividing a restaurant bill without a rounding shortfall
Checking a tip calculated before included tax
Showing how whole-unit rounding changes the final tip
Sharing a transparent plain-text payment summary with a group

Frequently asked questions

How do I calculate a 15% tip?＋

Multiply the chosen tip basis by 15 and divide by 100. This tool rounds the result to the nearest cent, with an exact half-cent rounded upward. The basis can include or exclude a known amount of tax already in your bill.

Why do some people pay one cent more?＋

A total such as 96.20 cannot split equally among three people to two decimal places. Two shares of 32.07 and one of 32.06 sum exactly to 96.20. Agree who takes the extra cent; the difference between shares is at most one cent.

Does excluding tax reduce the bill itself?＋

No. It only changes the amount on which the tip is calculated. The original bill still includes and charges the tax you entered. This tool does not calculate a tax rate.

Does rounding up change the tip?＋

Yes. Whole-unit rounding increases each person's payment and allocates the difference to the tip. The result separately shows the chosen tip, extra tip from rounding and final tip.

Can I use this with any currency?＋

It supports the listed two-decimal currencies: USD, INR, EUR, GBP, CAD, AUD, NZD, SGD, AED, CHF and ZAR. It does not convert exchange rates, handle zero- or three-decimal currencies, or implement country-specific cash rounding.

Is a suggested tip percentage mandatory?＋

The buttons are shortcuts only. Check local practice and the actual bill, particularly any included gratuity or service charge. You decide whether to add a new tip and what rate to use.