UtilibySplit Bill Calculator
Split a restaurant check evenly or by item, with tax and tip, in any currency. Free online bill splitter that is private and needs no sign-up.
Last updated: · Written by the Utiliby editorial team
Results update as you type. If your receipt subtotal already includes tax, leave Tax at 0. Results are estimates, so check them against your receipt.
This bill splitter does simple arithmetic on the figures you enter. It is not tax, legal or financial advice. Read the full disclaimer.
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Split Bill Calculator by Utiliby
What is a free split bill calculator online?
A free split bill calculator online works out what each person at the table owes once tax and tip are added. This bill splitter has two modes. Split evenly divides the whole check equally, which suits a group that ordered similar amounts. Split by item lets you list each receipt item, tick who shared it, and charges each person for their own items plus a fair share of the tax and tip.
You can choose the currency, decide whether the tip is calculated before or after tax, round every share up to a whole unit, and copy either a text breakdown or a link to your exact calculation. It runs in your browser, needs no account, and works on a phone at the table. The results are arithmetic estimates for convenience, so compare them with your receipt before anyone pays. The limits and the disclaimer below explain what the tool does not do.
How to use this bill splitter
Split evenly
- Choose your currency.
- Enter the bill subtotal, meaning the amount before tax and tip.
- Enter the tax rate if it is not already in the subtotal, and the tip percentage you want to leave.
- Choose whether the tip is calculated on the subtotal or on the total after tax.
- Enter the number of people. Each person's share appears straight away.
Split by item
- Switch to Split by item and type each person's name.
- Add every item from the receipt with its price, then tick the people who shared it. A shared item is divided equally between the people ticked.
- Read each person's total. Tax and tip are added in proportion to what each person ordered.
- Use Copy results to paste the breakdown into a chat, or Copy link to this calculation to share the calculation itself.
How the split is calculated
This calculator uses plain arithmetic that you can check by hand:
- Tax = subtotal × tax % ÷ 100
- Tip = tip base × tip % ÷ 100, where the tip base is either the subtotal or the subtotal plus tax, depending on your choice
- Total = subtotal + tax + tip
- Even split: each share = total ÷ number of people
- Split by item: each person's share of the tax and tip = their items ÷ all items × the tax or tip
The settings change the result in these ways:
| Setting | What it does |
|---|---|
| Tax (%) | Added on top of the subtotal as a single rate |
| Tip (%) | A percentage of the tip base; 0 means no tip |
| Tip is calculated on | Subtotal (before tax) or Total (after tax) |
| Rounding | Exact amounts, or each share raised to the next whole unit |
| Currency | Changes how amounts are formatted; no conversion is done |
If you choose to round each share up, every share is raised to the next whole unit of your currency, so the group may pay slightly more than the exact total. The results show that difference. The currency setting only changes how amounts are formatted, and no conversion between currencies is done. The exact symbol and number format depend on your browser's language settings.
Worked examples
Even split. A bill subtotal of 120 with no tax, an 18% tip and 4 people: the tip is 21.60, the total is 141.60, and each person pays 35.40.
Split by item. Amy has pasta (20), Ben has a steak (40), Amy and Ben share a starter (12), and Cara has a dessert (8). The subtotal is 80. With 10% tax (8.00) and a 15% tip on the subtotal (12.00), the total is 100.00. Amy's items come to 26 (20 plus half the starter), so she pays 26 + 2.60 tax + 3.90 tip = 32.50. Ben's items come to 46, so he pays 57.50, and Cara pays 10.00.
Rounding up. A subtotal of 100 with 8% tax and a 20% tip on the subtotal gives a total of 128.00. Split between 3 people, the exact share is 42.67 each. With Round each share up, each person pays 43.00, so the group collects 129.00, which is 1.00 more than the bill.
Tip base. With a subtotal of 100, 10% tax and a 15% tip, tipping on the subtotal gives a tip of 15.00 and a total of 125.00. Tipping on the total after tax gives a tip of 16.50 and a total of 126.50.
Should you split evenly or by item?
An even split is quick and works well when everyone ordered similar amounts, or when the group shares most dishes. It is also the friendliest choice for a casual meal where nobody wants to track receipts.
Splitting by item is fairer when spending differs a lot, for example when one person had a starter and a drink and another only had water. It takes a minute longer, but nobody pays for something they did not order. If a group agrees on the method before ordering, there is less awkwardness when the check arrives.
| Situation | Usually better |
|---|---|
| Friends sharing plates and similar spending | Split evenly |
| One person ordered much more, or drinks differ a lot | Split by item |
| Work lunch with a fixed budget per head | Split evenly |
| Mixed table with shared and individual dishes | Split by item, with shared dishes ticked for everyone who had some |
Should you tip before or after tax?
Customs differ by country and by person. Many people tip on the pre-tax subtotal because tax is not part of the service, while others tip on the full total for simplicity. This calculator lets you choose.
The difference is small but real. With a subtotal of 100, 10% tax and a 15% tip, tipping on the subtotal gives a tip of 15.00 and a total of 125.00. Tipping on the total after tax gives a tip of 16.50 and a total of 126.50. Also check your receipt first, because some restaurants add a service charge automatically. If you are travelling and are unsure what is normal locally, our tipping guide calculator shows common customs by country.
Tips and service charges
A tip is usually a voluntary amount that the customer chooses. A service charge is added by the venue, often as a fixed percentage, and appears as a line on the receipt. The IRS, for example, describes tips as discretionary payments determined by the customer, and says that a payment is more likely a service charge when the customer does not decide whether to pay or how much. Calling an amount a tip does not by itself make it one.
For splitting, the practical point is simple: read the receipt before you add a tip. If a service charge or automatic gratuity is already included, decide whether you want to add more. You can enter the service charge percentage as the tip, or set the tip to 0 and let the bill stand as printed.
What happens to the money afterwards depends on local law and the venue. In the United Kingdom, for instance, the government's statutory code of practice, which applies from 1 October 2024, requires employers to pass on all tips, gratuities and service charges to workers without deductions. Tips are also income for the people who receive them, and tax authorities such as the Canada Revenue Agency say they are taxable. None of this changes how the bill is split, but it is why a clear receipt and a clear choice about the tip are worth the extra minute.
Discounts, delivery fees and several tax rates
Real receipts are often messier than a single subtotal. Here is how to handle the common cases with this tool:
- Discounts and coupons. The calculator does not accept negative prices. Enter the discounted price for each item, or lower the subtotal in Split evenly mode, so that the subtotal matches what the restaurant actually charges before tax and tip.
- Delivery, booking or cover fees. Add the fee as a normal item and tick everyone who should share it. In Split by item mode it is then divided equally between them, and tax and tip are calculated on it like any other item.
- Several tax rates. The calculator applies one rate to the whole subtotal. If your receipt shows different rates, divide the total tax on the receipt by the subtotal, multiply by 100 and enter that blended rate.
- A fixed tip. The tip field takes a percentage. Divide your fixed amount by the tip base and multiply by 100, then enter the result.
- Prices that already include tax. Leave Tax at 0 so that tax is not added twice.
Trips, roommates and larger groups
The same tool works for a group dinner, a work lunch, a shared taxi, or a delivery order split between colleagues. Add each person, list the items, and share the result with the group. This tool splits a single bill. It does not keep a running record of who has paid whom over several days, so for a long trip you may want to total your shared costs first and enter them as one bill.
For shared household costs such as rent or utilities, a single bill with an even split is usually enough. If rooms differ in size, you may prefer to agree percentages first, and our prorated rent calculator and electricity cost calculator can help with the underlying figures. When money moves between people, agree how you will pay and who collects it, because this calculator only does the arithmetic.
Common mistakes when splitting a bill
- Adding tax twice. If the subtotal you entered already includes tax, leave the Tax field at 0.
- Tipping on top of a service charge. Check the receipt first; the venue may already have added one.
- Forgetting to tick everyone. In Split by item mode, an item with no one ticked is left out of the split, and the results warn you about it.
- Using a different base than the restaurant. If you tip on the subtotal but the receipt shows a tip on the total, your figures will differ slightly. Set the Tip is calculated on option to match.
- Ignoring rounding. Rounding every share up is convenient for cash, but the group pays a little more than the exact total.
- Mixing currencies. The tool does not convert. Enter the bill in the currency printed on the receipt.
Privacy and sharing
The calculation happens in your browser. Names, items and prices you type are not sent to or stored on our servers. When you use Copy link to this calculation, the inputs are encoded inside the link so that it can reopen your exact figures. Encoded does not mean encrypted: anyone with the link can read the names, items and amounts, so share it only with people you trust. Copy results creates plain text that you can paste into a chat or note.
Limits of this calculator
This bill splitter is designed for a single restaurant-style check. It does not read receipts, take negative prices, handle more than one tax rate, or accept a fixed tip amount. Shared items are always divided equally between the people ticked, and rounding only goes upward. It does not convert currencies, does not track payments over time, and cannot know about service charges, fees or discounts that you do not enter. The currency list covers 14 common currencies, and amounts are formatted using your browser's language settings. For anything where the exact amount matters, compare the result with the bill itself.
Sources and further reading
- IRS: Tips versus service charges, how to report, which explains the difference between a discretionary tip and a mandatory service charge. The page is marked as historical, so check current IRS guidance if you need it for tax purposes.
- GOV.UK: Distributing tips fairly, statutory code of practice, covering how UK employers must handle tips, gratuities and service charges under the Employment (Allocation of Tips) Act 2023.
- Canada Revenue Agency: Are you aware that all your tips and gratuities are taxable?, which explains that tips received are taxable income for the worker.
Related free tools
Use these free online tools together with this one:
- Check local tipping customs with the tipping guide calculator.
- Work out percentages, such as a tip or a share, with the percentage calculator.
- Find a sale price before you split the bill with the discount calculator.
- Check the cost of paying abroad with the currency exchange fee calculator.
- Plan a whole trip with the travel budget calculator.
- Split fuel costs on a road trip with the gas trip cost calculator.
- Share a household bill with the electricity cost calculator.
- Budget your month with the budget planner calculator.
- Compare shared subscriptions with the subscription cost calculator.
- Compare prices per unit with the unit price calculator.
Frequently asked questions
How do I split a bill evenly with tip?
Add the tax and tip to the bill subtotal, then divide the total by the number of people. In Split evenly mode, enter the subtotal, tax rate, tip percentage and number of people, and the calculator does every step.
How do I split a bill by item with tax and tip?
Switch to Split by item, add each person, then add every receipt item and tick who shared it. Shared items are divided equally between the people ticked, and tax and tip are added in proportion to what each person ordered.
Should I tip before or after tax?
Customs vary. Many people tip on the pre-tax subtotal, while others tip on the total including tax. Use the setting Tip is calculated on to choose either method and compare the results.
How is tax divided when people order different amounts?
Each person pays a share of the tax equal to their share of the subtotal. Someone who ordered 10% of the food pays 10% of the tax and 10% of the tip.
Does the calculator work in my currency?
Yes. Choose a currency from the list to format the amounts correctly, including PKR, INR, AED, GBP and EUR. The tool does not convert between currencies, so enter your bill in the currency you select.
Can I share the result with my group?
Yes. Use Copy results to paste a text breakdown into a chat, or Copy link to this calculation to share a link that reopens your exact inputs. The link contains what you entered, so only share it with people you trust.
Is anything I enter stored?
No. The calculation runs in your browser and nothing you enter is sent to or stored on our servers. If you copy a link to your calculation, the figures are encoded inside the link itself, so share it only with people you trust.
How do I split a bill when one person ordered much more than the others?
Use Split by item. Add each person, enter every receipt item with its price and tick only the people who shared it. Each person then pays for their own items plus a proportional share of the tax and tip, so nobody covers someone else's order.
How do I split shared appetizers, desserts or a bottle of wine?
Add the shared item once, enter its full price and tick every person who shared it. The price is divided equally between the people ticked. If only some of the table shared it, tick only those people.
What if the restaurant has already added a service charge?
Check the receipt. If a service charge or automatic gratuity is already included in the total, you may not want to tip on top of it. Enter the service charge as the tip percentage, or set the tip to 0 if you do not want to add anything, and compare the result with the bill.
How do I enter a fixed tip amount instead of a percentage?
The tip field takes a percentage. To use a fixed amount, divide it by the tip base and multiply by 100. For example, a 15 tip on a 120 subtotal is 15 ÷ 120 × 100 = 12.5%, so enter 12.5.
How do I handle a discount or coupon?
The calculator does not take negative prices. Enter the discounted price for each item, or reduce the subtotal in Split evenly mode, so that the subtotal matches what the restaurant actually charges before tax and tip. Then check the totals against your receipt.
What does Round each share up do?
It raises every person's share to the next whole unit of your currency, for example 42.67 becomes 43.00. This makes cash payments easier, but the group pays slightly more than the exact total, and the results show the amount collected after rounding.
How do I split a bill that has more than one tax rate?
The calculator applies one tax rate to the whole subtotal. If your receipt has different rates, enter the total tax from the receipt divided by the subtotal, multiplied by 100, as the tax percentage, or leave tax at 0 and enter prices that already include tax.
What if the subtotal on my receipt already includes tax?
Leave the Tax field at 0 so tax is not added twice. The tip is then calculated on the figure you entered, which is the correct base if you tip on the total.
How much should I tip?
This calculator does not recommend a tip because tipping customs differ by country, venue and service. Enter the percentage you want to leave. For guidance on local customs, see our tipping guide calculator.
Why do the totals differ slightly from my receipt?
Common causes are rounding, a service charge or fee the restaurant added that you did not enter, a discount, or an item that was not assigned to anyone. Items with a price but nobody ticked are left out of the split, and the results tell you when that happens.
Is this split bill calculator free, and do I need an account?
It is free, needs no sign-up and runs in your browser, so it works on a phone at the table as well as on a computer.
Can I put the calculator on my own website?
Yes. Copy the embed code from the Share, cite or embed this tool section and paste it into your page. The embedded version shows the calculator only and links back to Utiliby.
Utiliby is not affiliated with any restaurant, payment app or bank, and does not collect or move money, so you still need to pay your share by whatever method you and your group agree. Figures you enter stay in your browser and are not sent to a server. A link you copy contains your inputs in encoded form, so share it only with people you trust. To the extent permitted by law, Utiliby accepts no liability for any loss, overpayment or dispute that arises from using this tool.