How to split a bill with tip
Use Split a bill for an equal split. Enter the amount, select a tip percentage (or None), and set the number of people. For example, a US$120 bill with an 18% tip, split four ways, comes to US$21.60 in tip and US$141.60 in total: US$35.40 per person.
The formula is bill × (1 + tip percentage ÷ 100) ÷ people. The tip is applied to the amount you enter. There is no separate tax field: if your total already includes tax and tip, enter that total and select None so the tip is not added twice. Rounding up is optional and increases the total paid.
Who owes whom when several people paid?
Choose Who paid what, add each person and enter what they paid. Select equal shares, weighted shares, percentages or exact amounts. The calculator compares each person’s payment with their share and suggests repayments to clear the balances. It does not send money or record a bank payment.
| Person | Paid | Share | Balance |
|---|---|---|---|
| Alice | US$300 | US$150 | Gets back US$150 |
| Ben | US$120 | US$150 | Owes US$30 |
| Cara | US$30 | US$150 | Owes US$120 |
Ben pays Alice US$30 and Cara pays Alice US$120. Everyone then contributes US$150. Settlement suggestions simplify the transfers; they are not a guarantee of the mathematically smallest possible number of payments.
How to split a bill unequally
The Who paid what tab has four ways to allocate the total:
- Equally: everyone owes the same share, with any rounding remainder distributed.
- By shares: use agreed weights. A 3:2 split of US$1,000 gives shares of US$600 and US$400.
- By percent: enter percentages that total 100, such as 60% and 40% for income-proportional bills.
- Exact amounts: enter each person’s agreed cost, including any tax and tip. The amounts must add up to the total paid.
For rent, room size can be a starting point for weights, but shared space and amenities also matter. Agree on the allocation with your household first. Rent and shared bills can use different arrangements.
Splitting trip expenses with friends
Use the multi-payer calculator for a total that everyone shares on the same basis. If people join for different nights or skip activities, split each expense among the people it actually covers. A hotel bill might use nights stayed; a dinner might include only the people who attended.
For several expenses with different participants, create a free shared expense group. Everyone can add expenses through the link, and the group keeps the running balances. No account is required. If you already use Splitwise, export your group to CSV and review a supported import instead of starting from scratch.
Why the rounding matters
Splitting £100 three ways to two decimal places gives £33.33 each, which totals £99.99. One share must include the remaining penny. The calculator distributes that remainder and shows when some people pay a little more. Select the correct currency: JPY uses whole yen, while currencies such as USD and CAD use cents. Currency selection does not convert exchange rates.
Common questions
How do you split a bill with tip?
Add the tip to the bill, then divide by the number of people. A $120 bill with an 18% tip totals $141.60, so four people pay $35.40 each. If your bill already includes tip, select None to avoid adding it twice.
Should you tip on the pre-tax or post-tax amount?
Agree with your group which amount to use. This calculator applies the tip to the bill amount you enter; it has no separate tax field. For a pre-tax tip, work out that tip separately and enter the final total including tax and tip, with the calculator tip set to None.
How do you split a bill when one person had more?
Choose Who paid what, enter what each person paid, then select Exact amounts and enter each person’s agreed share, including their tax and tip. The shares must add up to the total paid. The calculator shows the repayments needed to settle those shares.
How do you split rent or bills by income?
Agree on the allocation, then use Who paid what with percentages. If one person earns 60% of the combined income and the other earns 40%, an income-proportional split of $1,000 is $600 and $400. The calculator applies your chosen percentages; it does not decide what is fair for your household.
What happens to the leftover cent?
For $100 split three ways, one person pays $33.34 and two pay $33.33. The calculator distributes the remainder so the shares add up to the total. Whole-unit currencies such as JPY are split in whole units instead of cents.
Does this calculator save or share my expenses?
Not unless you choose to make a shared group. Calculations run in your browser. To keep a running expense history, use the shared-group option and review the details before saving. You can use the calculator without creating a group.