Bill Split Calculator: Split a Bill With Tax and Tip (US)
Use our free Bill Split Calculator to accurately divide a U.S. restaurant bill, including tax and tip, with exact cent allocation and customizable splits.
Last updated: 19 October 2026
Bill Split Calculator
A split bill calculator for US tables: enter the subtotal, tax and tip from the receipt, choose how many people are splitting, and get every share in whole cents that add up to the exact total.
Short answer
This tip and split calculator gives you three things: the tip amount, the grand total, and what each person owes. Pick the equal split for a quick even division, the itemized split when people ordered different things, or the custom split when shares should follow your own percentages. Tax and tip are shared in proportion to each person's items, and leftover cents go to the shares with the largest fractional remainder so the shares always sum to the total.
This tool does not send money, track who paid, convert currency, or give tax or legal advice. Tax and tip are entered by you from the receipt.
What this bill splitter does
The restaurant bill splitter handles the arithmetic that makes people argue: rounding, tax, tip and shared items. It works entirely in your browser, so nothing you type leaves the page. Participants are labeled Person 1, Person 2 and so on, and no names or personal details are needed.
- Equal, itemized and custom-percentage modes
- Tip on the pre-tax subtotal or on the post-tax amount, with both totals shown
- Exact cent allocation with a visible "shares add up to the total" check
- Round-up option that shows the extra amount as additional tip
Split the bill: enter your receipt
Result: what each person owes
| Person | Items | Tax share | Tip share | Owes |
|---|---|---|---|---|
| Total | — | — | — | $153.90 |
Split bill with tax and tip: the method
Every number below comes from integer cents, never from rounded dollars. The symbols are: S = subtotal, T = tax, P = tip percentage, B = tip base, I = tip amount, G = grand total, N = number of people.
How to calculate tip
- Tip base. B = S when tipping on the pre-tax subtotal, or B = S + T when tipping on the post-tax amount.
- Tip amount. I = P% × B, computed exactly then rounded half up to the cent.
- Grand total. G = S + T + I.
- Equal share. each share = G / N in cents; leftover cents go to the largest fractional remainders, ties to the lowest person number.
- Itemized share. each person's share = G × (their items ÷ all items), allocated in integer cents the same way.
This is a calculator convention for allocation, not a legal rule. Tip percentages are social custom, not law.
Infographic: where the money goes
Text alternative: the subtotal is the largest part of the bill, tax is the smallest, and the tip sits between them. Adding all three gives the grand total.
How to split a bill in five steps
- Take the subtotal. Use the food and drink line before tax, not the amount due at the bottom.
- Enter the tax. Paste the tax amount from the receipt, or switch the field to percent if you only have a rate.
- Choose your tip percentage. Pick a preset or type any number. If a service charge is already on the bill, enter 0.
- Pick the split style. Equal for an even division, itemized for different orders, custom when shares should be uneven.
- Check the sum. The result panel confirms the shares add up to the exact grand total.
Use this calculator for
- One receipt, several payers at the table
- Tax and tip shared in proportion to items ordered
- Rounding that still sums to the exact total
- Round-up shares with the extra shown as tip
Not handled here
- Requesting money or tracking who paid
- IOUs, debt tracking or currency conversion
- Tip pooling, payroll or tip tax rules
- Automatic service charges (enter them yourself)
Text alternative: the tool is built for splitting one restaurant check fairly; it does not handle payments, debts, tips as wages, or currency conversion.
Worked examples (hypothetical numbers)
| Example | Substitution | Result |
|---|---|---|
| BS-1: tip on the pre-tax subtotal, 4 people | S = 120.00, T = 9.90, P = 20% → I = 0.20 × 120.00 = 24.00; G = 120.00 + 9.90 + 24.00 = 153.90; 153.90 ÷ 4 = 38.475 | Shares $38.48, $38.48, $38.47, $38.47 (sum $153.90) |
| BS-2: tip on the post-tax amount, 4 people | B = 120.00 + 9.90 = 129.90; I = 0.20 × 129.90 = 25.98; G = 155.88; 155.88 ÷ 4 = 38.97 | Four shares of $38.97 (sum $155.88) |
| BS-3: no tax, 3 people | S = 100.00, T = 0, P = 18% → I = 18.00; G = 118.00; 118.00 ÷ 3 = 39.333… | Shares $39.34, $39.33, $39.33 (sum $118.00) |
| BS-4: itemized A $30.00, B $50.00, C $40.00 | Items sum to 120.00; G = 153.90; A = 153.90 × 30/120 = 38.475; B = 64.125; C = 51.30 | $38.48, $64.12, $51.30 (sum $153.90) |
All four examples are hypothetical test values, not tax or legal advice. They test arithmetic only.
Common mistakes when you split the bill
- Tipping twice. If a gratuity or service charge is printed on the receipt, set the tip to 0.
- Wrong tip base. Tipping on the pre-tax subtotal and on the post-tax amount give different totals; the panel above shows both so you can see the gap.
- Rounding each share separately. Rounding $38.475 up four times gives $153.92 and someone overpays. This tool allocates whole cents so the sum matches.
- Splitting shared items unevenly. Add a shared item in itemized mode so the bottle everyone drank is divided fairly.
- Forgetting someone. Check the number of people field before you confirm the split; the sum check proves every seat is counted.
Comparison: which split mode to pick
| Mode | Best when | How tax and tip are shared | Result |
|---|---|---|---|
| Equal split | Everyone ordered about the same | Divided evenly across all people | One share amount for the table |
| Itemized split | Orders were very different | In proportion to each person's items | A different total per person |
| Custom split | Shares were agreed in advance | Follows your percentages | Uneven shares that still sum exactly |
Comparison: pre-tax tip versus post-tax tip
| Tip base | Tip base amount | Tip at 20% | Grand total | Share for 4 people |
|---|---|---|---|---|
| Pre-tax subtotal (default) | $120.00 | $24.00 | $153.90 | $38.48 high, $38.47 low |
| Subtotal plus tax | $129.90 | $25.98 | $155.88 | $38.97 each |
| Difference | $9.90 | $1.98 | $1.98 | About $0.49 per person |
Neither base is required by any rule. The choice is yours; the calculator simply shows both so the difference is visible.
FAQ
How much to tip?
There is no United States federal or state law that sets a required tip percentage; tipping is a social custom, not a legal rule. Choose any percentage you are comfortable with, or enter a fixed amount. The presets on this page are editable values only - they are not presented as standard, required or official.
Should you tip on tax?
It is your choice. The toggle offers both bases: tip on the pre-tax subtotal (the default) or on the subtotal plus tax. Switching it recomputes the tip, the grand total and every share, and the comparison panel shows both numbers side by side so you can see the exact difference for your bill.
How does this split check calculator round the shares?
All arithmetic runs in whole cents. When the total does not divide evenly, the leftover cents are given to the shares with the largest fractional remainder, with ties going to the lowest person number. The result is that the shares always add up to the grand total exactly - no cent is lost or invented.
What if a service charge is already on the bill?
Enter 0 as the tip so you do not tip twice. This calculator only uses the numbers you type in; it cannot see a gratuity printed on the receipt, and it does not add one for you.
How do I split a bill when one person ordered more?
Switch to the itemized bill split mode, enter what each person ordered, and add any shared item once. Tax and tip are then allocated in proportion to each person's items, and the shares still sum to the exact total.
Does this group bill calculator store my numbers?
No. The calculation runs in your browser. Nothing is sent to a server, and no personal identifiers are collected; participants are just Person 1, Person 2 and so on.
Glossary
- Subtotal
- The amount for food and drinks before tax and tip are added.
- Tip base
- The number the tip percentage is applied to: the pre-tax subtotal, or the subtotal plus tax.
- Grand total
- Subtotal + tax + tip — the full amount the table pays.
- Itemized split
- A split where each person pays for their own items, with tax and tip shared in proportion.
- Largest remainder
- The allocation rule that hands leftover cents to the shares with the biggest fractional part so the sum stays exact.
- Round-up share
- A share rounded up to the next whole dollar; the extra amount is shown as additional tip.
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Method and sources
Tax is always an amount you copy from your receipt or a rate you type in; restaurant tax rules differ by state and locality, so this tool does not look up any rate. Tip percentages are user-selected social custom, not law. The cent-allocation convention (largest remainder, ties to the lowest person number) is a calculator convention, not a legal rule.
Reference starting points a reader can check (official bodies):
- Internal Revenue Service (IRS) — federal tax administration and publications.
- USAGov — official directory of federal and state services.
- Consumer Financial Protection Bureau (CFPB) — consumer financial guidance.
It is not affiliated with, endorsed by or operated by any government agency. Corrections: use the contact or correction channel published on the Varnda site.
Limitations, exclusions and assumptions
- Tax and tip are inputs you provide; no rate is fetched or assumed.
- No payment requests, IOUs, debt tracking, currency conversion, tip pooling or tip-tax guidance.
- Service charges already on the receipt must be entered by you (tip 0 to avoid double tipping).
- Number of people must be a whole number from 1 to 50; negative tax, tip or amounts are rejected.
- Examples use clearly labeled hypothetical numbers and test arithmetic, not law.
Split the bill with confidence
Enter your receipt, pick the mode, and read the shares off the table — each one in whole cents, with a sum check that proves nothing was lost in rounding. Your numbers stay in the browser.