Split Bill Calculator

Last updated: March 19, 2026
Reviewed by: LumoCalculator Team

Split a restaurant or group bill with tip, tax, service charge, and optional custom amounts so you can see the grand total, average share, and person-by-person breakdown before sending a share link to the group.

Split Bill Inputs

$

Split method

%

Tip base

%
$
$

Split Summary

Grand total to collect

$151.80

4 people | Equal split | 18% tip | 8.5% tax

Average share

$37.95

Tip total

$21.60

Tax total

$10.20

Lowest share

$37.95

Adjustments and spread

Service charge $0.00 | Discount $0.00 | Shares range from $37.95 to $37.95

Current Calculation

Tax = subtotal x tax rate

Tax = $120.00 x 8.5% = $10.20

Tip = subtotal x tip rate

Tip = $120.00 x 18% = $21.60

Grand total = subtotal + tax + tip + service charge - discount

$120.00 + $10.20 + $21.60 + $0.00 - $0.00 = $151.80

Per person = grand total / number of people

$151.80 / 4 = $37.95

Person-by-Person Breakdown

Person 1$37.95

Base $30.00 + Tip $5.40 + Tax $2.55 + Service $0.00 - Discount $0.00

Person 2$37.95

Base $30.00 + Tip $5.40 + Tax $2.55 + Service $0.00 - Discount $0.00

Person 3$37.95

Base $30.00 + Tip $5.40 + Tax $2.55 + Service $0.00 - Discount $0.00

Person 4$37.95

Base $30.00 + Tip $5.40 + Tax $2.55 + Service $0.00 - Discount $0.00

Use Scenarios

Restaurant table with one shared check

Use the page when one receipt includes the meal subtotal, a tip decision, and local sales tax, and the group wants a fast equal-share number before everyone sends a payment.

Uneven orders with alcohol or add-ons

Switch to custom amounts when one person ordered significantly more, when appetizers were shared unevenly, or when the group wants tip and tax spread according to what each person actually consumed.

Quick gratuity-only check first

If the bill is staying equal and the only question is what tip amount to add, the Tip Calculator can be a faster first pass before you return here for a full split with tax and flat adjustments.

Formula Explanation

1) Tax amount

Tax = subtotal x tax rate

Use the pre-tip subtotal from the receipt and multiply it by the tax rate you want the group to use. If tax is already embedded in the number you entered, leave the tax toggle off instead of charging it twice.

2) Tip amount

Tip = chosen tip base x tip rate

The tip base can stay on subtotal or move to subtotal plus tax. The calculator applies the selected rule once and then carries that same tip amount into either the equal split or the custom weighted split.

3) Grand total

Grand total = subtotal + tax + tip + service charge - discount

Service charge and discount are treated as flat dollar adjustments. That makes the total transparent when the receipt has an automatic gratuity, event fee, coupon, or manual reduction.

4) Custom weighting

Person weight = person subtotal / group subtotal

In custom mode, each person keeps their own base amount. Tip, tax, service charge, and discount are then distributed in the same proportion so the final totals still reconcile exactly.

How to Read the Result

Grand total to collect

This is the full amount the group needs to cover after tax, tip, service charge, and discount are all applied in the order shown by the formula card.

Average share vs. actual shares

Average share is the quick planning number. In custom mode, the highest and lowest shares may be meaningfully different because the base subtotals are different before add-ons are allocated.

Tip base and flat adjustments

The tip base setting changes only the tip calculation. Service charge and discount remain flat-dollar adjustments, which is useful for receipts that already spell out those numbers directly.

Example Cases

Case 1: Equal dinner split with tip and tax

Inputs

  • Subtotal: $124.80
  • People: 4
  • Tip: 18%
  • Tax: 8.25%

Computed Results

  • Grand total: $157.56
  • Average share: $39.39
  • Highest share: $39.40
  • Lowest share: $39.38

Interpretation

This is the default restaurant use case: one shared subtotal, one agreed tip rate, and a standard equal split after tax.

Decision Hint

Use this pattern when everyone is comfortable paying the same amount and the receipt does not need item-by-item tracing.

Case 2: Custom split for uneven orders

Inputs

  • Subtotal: $96.00
  • People: 3
  • Tip: 20%
  • Tax: 7.5%

Computed Results

  • Grand total: $122.40
  • Average share: $40.80
  • Highest share: $54.83
  • Lowest share: $28.05

Interpretation

The larger eater ends up carrying more of the tip and tax because both add-ons follow the custom subtotal weights rather than being forced into equal dollar shares.

Decision Hint

Choose this path whenever alcohol, desserts, or add-on items were concentrated with one or two people and an equal split would feel off.

Case 3: Service charge already included

Inputs

  • Subtotal: $210.00
  • People: 5
  • Tip: 0%
  • Tax: 8.5%

Computed Results

  • Grand total: $248.85
  • Average share: $49.77
  • Highest share: $49.77
  • Lowest share: $49.77

Interpretation

This case shows a receipt where the group is relying on the service charge instead of adding another voluntary tip, while still accounting for tax and a flat discount.

Decision Hint

Model the receipt this way when the venue has already added an automatic gratuity or event fee and the group wants to avoid double tipping.

Boundary Conditions

Enter the food-and-drink subtotal before tip. If tax is already included in that number, leave the tax toggle off to avoid charging it twice.
Custom amounts must add up to the subtotal before tip and tax. If they do not, the calculator will stop and ask for a corrected allocation.
Service charge and discount are handled as flat dollar adjustments, not percentages. Use them for receipt-level add-ons or credits that already appear as fixed amounts.
Tip base can be subtotal or subtotal plus tax, but this page does not apply tip to service charge or discount. Choose the setting that best matches the group’s real payment rule.
When equal shares do not divide perfectly to the cent, the calculator distributes the leftover cents across the breakdown so the final total stays exact.
Local tipping customs and tax rules vary, so the cleanest workflow is to copy the percentages or dollar adjustments directly from the receipt whenever they are available.

Sources & References

  • Internal Revenue Service - Topic no. 761, TipsUsed for the distinction between voluntary tips and mandatory service charges, which supports the page guidance on when to enter an added service charge separately instead of stacking another default tip by accident.
  • Bankrate - How Much to TipUsed for the page’s consumer-facing U.S. tipping context, especially the practical 15% to 20% restaurant range referenced in the scenarios and FAQ.
  • NerdWallet - Tip CalculatorKept as a supplementary consumer explainer for bill-plus-tip math and per-person split reasoning, which helps anchor the page’s equal-share workflow without relying on competitor calculator pages as the full source set.

Frequently Asked Questions

Should I tip on the subtotal or on the subtotal plus tax?
Both approaches are used in real life, so the calculator lets you choose. If your group usually tips on the food and drink subtotal only, leave the default tip base on subtotal. If the group prefers to tip on the post-tax amount shown on the receipt, switch the tip base to subtotal plus tax so everyone is using the same rule.
What if the restaurant already added a service charge or gratuity?
Enter that amount in the service-charge field so it is included in the final total before the bill is split. Then decide whether you still want to add an extra tip. The page treats service charge as a flat dollar adjustment, which helps you model receipts that already include an automatic gratuity or event fee.
Why do custom shares get different tip and tax amounts?
In custom mode, each person starts with a different subtotal. Tip, tax, service charge, and discount are then allocated proportionally from that base amount so the higher spender carries a larger share of the add-ons. This keeps the grand total accurate without forcing everyone into the same payment.
What happens when the total does not divide evenly to the cent?
The calculator distributes leftover cents across the breakdown so the person-by-person totals still add up to the exact grand total. That means two people in the same equal split may differ by one cent when the math cannot be divided perfectly.
Can I use the discount field for a coupon or gift-card adjustment?
Yes, if you want to model a flat amount taken off the final bill. The calculator treats discount as a dollar reduction rather than a percentage offer, so it works best for coupons, credits, or house adjustments that appear as one number on the receipt.
When is equal split better than custom split?
Equal split is faster when everyone ordered roughly the same amount or the group cares more about speed than precision. Custom split is better when one or two people ordered much more than the rest, when alcohol needs to stay with specific diners, or when the group wants tip and tax allocated more precisely.