PayPlot

Tip calculator

  • Standard amortization formulas · rates you enter
  • Updated Oct 23, 2026
  • Runs in your browser
  • Methodology
  • Instant answers. Results update as you type, with a visual breakdown.
  • Share or print. Copy a link with your numbers, or print a clean summary.
  • Sourced and private. Standard amortization formulas · rates you enter. Nothing you enter leaves your device.
Bill15%18%20%22%
$20$3.00$3.60$4.00$4.40
$40$6.00$7.20$8.00$8.80
$60$9.00$10.80$12.00$13.20
$80$12.00$14.40$16.00$17.60
$100$15.00$18.00$20.00$22.00
$150$22.50$27.00$30.00$33.00
$200$30.00$36.00$40.00$44.00

Worked example

On an $86 bill, 18% is $15.48 and 20% is $17.20. Split four ways at 20%, each person pays $25.80. A quick mental method for 20%: move the decimal one place and double it ($8.60 × 2 = $17.20).

Customary amounts in the US

For table service, 15 to 20% of the pre-tax bill is customary, and many people now tip 18 to 20%. Check for an automatic service charge on large-party bills so you do not tip twice.

Frequently asked questions

Do you tip on tax?

Commonly on the pre-tax amount; either is acceptable.