Tip Calculator & Bill Splitter

Calculate the tip, split the check and see what Redditors say about tipping before or after tax. (Plus: See how your own tipping compares.)

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Edited by other Updated Jun 5, 2026 Free Budget Template: A Simple Tool to Help You Track Your Money 8 Ways to Track Monthly Expenses Average Monthly Expenses by Category How to Budget Money in 5 Steps

Tip calculator

Try our tip calculator below to make the math easier.

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How much do you tip at a restaurant?

The standard tip for a restaurant server is 15% to 20%, based on the experience, according to Elaine Swann, lifestyle and etiquette expert and founder of the Swann School of Protocol. In higher-cost areas, 20% is more the norm, Swann says. And in all cases, people tend to tip more for exemplary service. That also applies for those bringing dinner to you, such as a pizza delivery. A 10% tip may suffice in some situations, and it’s easy to calculate. Think picking up a carryout order or a cup of coffee. Remember, 10% of $10 is $1. Double it to $2 for 20% of $10. These tools were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. These tools were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality.

Do you tip before or after tax (according to Reddit)?

We sifted through Reddit forums to get a pulse check on how users feel about pre-tax vs. post-tax gratuities. We used an AI tool to help analyze and summarize the feedback. People post anonymously, so we cannot confirm their individual experiences or circumstances. On Reddit, users overwhelmingly vote for tipping before tax. (You’re welcome.) That said, Redditors agree that if a restaurant discounts your bill — you get a free dessert, for instance, or they comp a meal for you — tip on the pre-tax total before the discount.

How much do you tip for other services?

For many other service providers, 15% to 20% is a standard tip too. For example, that’s how much to tip a hairdresser and how much to tip a massage therapist if you can, Swann says. You can also look for a cue in the presets on the bill or on the payment screen of the point-of-sale system. » LEARN: How much to tip just about everyone » LEARN: Unhappy with the service you received? Gently voice your concerns with the service provider and look for ways to resolve the issue, Swann says. Tipping less than 15% is fine in those cases, but still aim to give some gratuity. Keep in mind that the minimum wage for tipped employees is significantly lower than regular minimum wage, with the understanding that tipping makes up the difference. Explore more on About the author WMS™ Kate Ashford is a writer and spokesperson for NerdWallet. She is a wealth management specialist (WMS)™ and certified senior advisor (CSA)® and has more than 20 years of experience writing about personal finance. Previously, she was a freelance writer for both consumer and business publications, and her work has been published by the BBC, Forbes, Money, AARP, LearnVest and Parents, among others. She has a degree from the University of Virginia and a master’s degree in journalism from Northwestern’s Medill School of Journalism. Kate has been quoted by outlets including the Associated Press, MarketWatch, NBC and Fortune. She is based in New York. Published in 8 Ways to Track Monthly Expenses By Courtney Neidel How Much to Tip Just About Everyone By Laura McMullen 7 Best Personal Expense Tracker Apps of 2026 By Hal M. Bundrick, CFP®, Tiffany Curtis, Lisa Mulka Average Monthly Expenses by Category By Hal M. Bundrick, CFP®, Lisa Mulka