Divide a bill evenly or by share, add tax and tip, round to the cent, and work out who owes whom when several people paid.
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Details$100.00 bill + $8.25 tax + $20.00 tip = $128.25
Base share per person
$32.06Rounding breakdown
The difference is redistributed, so the shares below always add up to the total of $128.25.
Each share (4 people)
NOTE
The $0.01 difference is spread over the first 1 person, who each pay $0.01 more.
Group size and rounding
Works for 1 to 200 people.
Split a Bill Evenly or by Share, With Tax and Tip
Dividing a check sounds easy until the total does not divide evenly, someone ordered much more than the others, or three people paid for different things. This calculator handles the tip, the rounding, uneven shares, and the payback list in one place.
It has four tabs. Even Split divides the total by the number of people and lets you choose how to handle leftover cents. Uneven Split gives each person a share or a flat amount. Who Owes Whom takes what each person paid and lists the payments that settle up. Rounding Check compares rounding steps and shows which totals divide cleanly.
Enter the bill before tax, the tax, and a tip percentage at the top. The same total feeds the Even Split, Uneven Split, and Rounding Check tabs, and results update as you type.
Dinners, Trips, Roommates, and Other Shared Costs
Dinner with friends
Enter the bill, tax, and tip, set the number of people, and see each share. Copy the amounts into the group chat.
Birthday dinner
Give the guest of honor a flat amount of 0, and the rest of the total is divided among everyone else.
Couples and families
Set a share of 2 for each couple and 0.5 for kids so the check follows who actually ate. Templates fill this in for you.
Group trip expenses
When one person paid for the rental car, another for the cabin, and a third for groceries, enter each amount and get a short list of who pays whom.
Roommate and household costs
Split utilities or groceries with shares that reflect each person, such as 1.5 for the larger room, and settle up with a few payments.
Office lunch or team outing
Pick a $1 or $5 rounding step for cash, or $0.01 for payment apps, and check which step leaves the smallest difference.
How to Divide a Check With Tip in Six Steps
- Enter the bill amount before tax and tip. Add the tax from the receipt if you want it included.
- Choose a tip percentage, then pick whether the tip is figured on the bill before tax or on the bill plus tax.
- Choose a rounding step: $0.01 for payment apps, or $1 or $5 for cash.
- On Even Split, set the number of people, a rounding method, and who covers the leftover amount.
- On Uneven Split, set shares or flat amounts. On Who Owes Whom, enter what each person paid and the share ratios.
- Press Copy result and paste the amounts into your group chat or payment request.
Note: Results update as you type, so there is no calculate button.
How the Math Works and Limits to Know
- Shares are calculated in whole cents, so the amounts you copy never contain fractions of a cent.
- Tip is a percentage from 0 to 100. It is applied to the bill before tax or to the bill plus tax, whichever you select. Total = bill + tax + tip.
- On Even Split, the base share is the total divided by the number of people, rounded by your chosen step and method. The difference between the base shares and the total is then added to or taken from the people you choose, so the shares add up to the total.
- Anything smaller than one rounding step is added to Person 1 (the organizer), which is the first person in the list.
- On Uneven Split, people with a flat amount are removed from the share split, and the rest of the total is divided by share using the largest remainder method. If every share is 0, Person 1 covers the whole amount.
- Who Owes Whom divides the total paid by share, subtracts what each person already paid, and matches the largest amount owed to the largest amount due. The list has at most one payment fewer than the number of people.
- Limits: 1 to 200 people and amounts up to $1,000,000.00. If the rounding step is too large for the total, the calculator warns you that some shares are negative.
- The calculator runs in your browser. Amounts and names are not sent or saved.
Tip Chart: 15%, 18%, 20%, and 25% on Common Amounts
Tip amounts on a few typical bill totals, figured on the bill before tax. Enter your own numbers in the calculator above.
| Tip | $40 bill | $80 bill | $120 bill | $200 bill |
|---|---|---|---|---|
| 15% | $6.00 | $12.00 | $18.00 | $30.00 |
| 18% | $7.20 | $14.40 | $21.60 | $36.00 |
| 20% | $8.00 | $16.00 | $24.00 | $40.00 |
| 25% | $10.00 | $20.00 | $30.00 | $50.00 |
Rounding, Tip, and Fairness: What to Decide Before You Collect
A few decisions make group payments go smoothly: how to round, whether to tip before or after tax, and how to handle people who ordered differently.
Why a check rarely divides evenly
Take a $128.25 total for 4 people. Each share is $32.0625. If everyone pays $32.06, you collect $128.24 and come up 1 cent short. If everyone pays $32.07, you collect $128.28 and have 3 cents extra.
The fix is to pick a rounding step, then decide who absorbs the difference. The Even Split tab adds the missing cent to Person 1 (or spreads larger differences across the first few people), so the shares add up to the total.
Tip before tax or after tax
Etiquette guides such as Emily Post's say tipping on the pre-tax amount is fine. Many diners tip on the final total instead, since it is the last number on the receipt. The gap is usually a dollar or two on an ordinary dinner.
Check whether the restaurant added a gratuity or service charge, and set the tip to 0% if it did. Some restaurants add one for larger parties.
Uneven splits: shares and flat amounts
A share is a weight. A person with share 2 pays twice as much as a person with share 1, and a person with share 0.5 pays half. On a $90 total, a couple (2) and a single person (1) pay $60.00 and $30.00.
A flat amount works better for someone who ordered one small item. They pay exactly that amount, and the rest of the total is divided among the others by share. Agree on shares before the check arrives to avoid arguments.
Who owes whom when several people paid
The method has three steps. First, add up everything that was paid. Second, divide that total into shares by each person's ratio. Third, subtract each person's share from what they paid. People with a positive balance are owed money, and people with a negative balance owe it.
Matching the largest amount owed to the largest amount due keeps the list short, with at most one payment fewer than the number of people. For example, if You paid $120.00, Alex $40.00, and Sam $0.00, Sam pays You $53.33 and Alex pays You $13.33.
Rounding to the cent, a dollar, or $5
Payment apps accept cents, so a $0.01 step gives the most precise amounts. With cash, a $1 or $5 step means fewer coins and less change to make, but each person pays slightly more or less than an exact share.
The Rounding Check tab compares every step and method side by side, so you can see which one leaves the smallest difference for your total before you collect.
Organizer covers the difference, or spread it out
Putting the whole difference on Person 1 is easy to explain, but one person always pays a bit more or less. Spreading it means the first few people each pay one rounding step extra, so no one is far from the base share.
With a $0.01 step the difference is a few cents either way, so most groups pick whichever is quicker to explain.
Check-Splitting Mistakes and How to Fix Them
Collecting the rounded share from everyone
A $128.25 total divided by four and rounded down to $32.06 each collects $128.24, and the group is a cent short.
💡 See the solution▼
Tipping twice
The check already includes a gratuity or service charge, and then the group adds a full tip on top.
💡 See the solution▼
Splitting evenly when people ordered very differently
Someone who had a salad and water pays the same as someone who had steak and cocktails, and resentment follows.
💡 See the solution▼
Ignoring who already paid
One person put the deposit on a card, another paid for gas, and a third covered groceries, and no one knows who owes what.
💡 See the solution▼
Using cents when collecting cash
A share of $32.06 in cash means everyone is digging for coins.
💡 See the solution▼
Calculating before the headcount is final
The group agrees on a share based on six people, and then two cancel before the check arrives.
💡 See the solution▼
Tip, Rounding, and Group Payment Questions
Q.How do I split a bill with tip?
A. Enter the bill amount before tax, add the tax if you want it included, and pick a tip percentage (15%, 18%, 20%, 25%, or any number from 0 to 100). The calculator adds the bill, tax, and tip into one total, then divides it by the number of people. You can choose whether the tip is figured on the bill before tax or on the bill plus tax.
Q.Should I tip on the pre-tax amount or the total with tax?
A. Etiquette guides, including Emily Post's, say tipping on the pre-tax amount is fine, while many people tip on the final total because that is the number printed last on the receipt. The difference is usually small. On a $100 bill with 8% tax, a 20% tip is $20.00 on the pre-tax bill and $21.60 on the total. Use the toggle under the tip field to switch between the two.
Q.What if the total does not divide evenly among everyone?
A. Say $128.25 is split four ways. That is $32.0625 each, so rounding every share down to the cent gives $32.06 and collects only $128.24. The Even Split tab adds the missing cent to Person 1, so the shares add up to $128.25. You can also round shares to $0.10, $1, or $5, and the calculator shows how much the rounding changes the total.
Q.Who should cover the extra cents or dollars?
A. There is no rule. Spreading the difference across several people keeps everyone's share close to the same, and each of them pays one rounding step more (or less). Letting Person 1, the organizer, cover it is simpler to explain but puts the whole difference on one person. Both options are on the Even Split tab, and the totals match either way.
Q.How do I split a bill unevenly?
A. Use the Uneven Split tab and give each person a share. A share of 1 is a standard portion, 2 is a couple, and 0.5 is a kid or someone who left early. On a $90 total with a couple (share 2) and a single person (share 1), the couple pays $60.00 and the single person pays $30.00. Templates for couples, drinkers and non-drinkers, late arrivals, and adults with kids set the shares in one tap.
Q.What if one person only wants to pay a set amount?
A. Type a flat amount in the person's Flat amount field, for example $15.00 for someone who only had a salad. That person is taken out of the share split, and the rest of the total is divided among everyone else by their shares. Entering 0 works for a guest of honor. If the flat amounts add up to more than the total, the calculator shows a warning.
Q.How do I figure out who owes whom when several people paid?
A. Open the Who Owes Whom tab, enter what each person paid, and leave the share ratios at 1 for an even split. For example, if You paid $120.00, Alex paid $40.00, and Sam paid nothing, the total is $160.00 and each share is about $53.33. Sam pays You $53.33 and Alex pays You $13.33. The list never has more than one payment fewer than the number of people.
Q.Can I send the money through Venmo, Zelle, or Cash App from here?
A. No. This calculator only does the math, and it does not connect to any payment app. Use the Copy result button on each tab to copy the amounts as plain text, then paste them into a group chat or a payment request in whatever app your group uses.
Q.What does the Rounding Check tab show?
A. It tells you whether the total divides evenly by the number of people, and if not, how many cents are left over. It also compares all twelve combinations of rounding step ($0.01, $0.10, $1, $5) and method (round down, nearest, round up), showing the per-person amount, the amount collected, and how far that is from the total. It lists nearby totals that do divide evenly and the group sizes from 2 to 30 that divide your total to the cent.
Q.Which rounding step should I pick: $0.01, $0.10, $1, or $5?
A. Use $0.01 when everyone pays with an app or card, since apps accept cents. For cash, a $1 or $5 step avoids hunting for change. The Rounding Check tab shows which step leaves nothing over for your total.
Q.What if the restaurant already added a gratuity?
A. Some restaurants add a gratuity or service charge to the check, often for larger parties. Look for it on the receipt before adding a tip. If it is already included, set the tip to 0% (No tip), or enter only the extra percentage you want to add on top.
Q.What is the largest remainder method?
A. It is how the Uneven Split and Who Owes Whom tabs hand out the last few rounding steps. Each person first gets the whole steps their share earns, then any steps still unassigned go to the people whose shares left the biggest fractional part. The same idea is used to allocate seats in some proportional election systems.
Q.Is my information sent or saved anywhere?
A. No. The amounts and names you type are processed in your browser, and nothing is uploaded or stored by the calculator. Refreshing or closing the page clears everything.
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