Tip Calculator

Direct answer

Multiply the bill subtotal by the tip rate, then add that amount to the subtotal. If a group is splitting equally, divide the resulting total by the number of people. The Consumer Financial Protection Bureau recommends assessing actual spending when building a spending plan; this calculator keeps the selected gratuity and total visible as separate amounts.

Variables and formula

• Bill subtotal: the amount before the chosen gratuity.
• Tip rate: the percentage you decide to add.
• People sharing: the number of equal shares to show.

Tip = Bill subtotal × Tip rate

Total bill = Bill subtotal + Tip

Reproducible example

For an $80 subtotal and an 18% tip, 80 × 0.18 = 14.40. The total is $80 + $14.40 = $94.40; split equally between two people, that is $47.20 each.

Interpretation

The rate is an explicit choice, not a recommendation from this calculator. Change the rate or the number of people to see the matching total and equal-share amount.

Assumptions and limitations

• The selected rate is applied to the entered subtotal only.
• Tax, service charges and discounts are included only if you include them in the subtotal.
• An equal split does not account for different individual orders or payments.

Common mistakes

• Applying the percentage twice.
• Entering a decimal rate such as 0.18 when the field expects 18.
• Treating an equal share as an itemized split.

Assumptions

• The selected rate is applied only to the entered subtotal.
• An equal split does not account for different individual orders or payments.

Sources and methodology

CalcMotive publishes the formula and assumptions so you can decide whether the estimate fits your use case. See our methodology standards.

• Assess your spending; Consumer Financial Protection Bureau; accessed Jul 30, 2026