Every tip percentage on a $100 bill
A $100 bill is one of the easiest to calculate tips on because the math is clean. Here's every common percentage:
| Tip % | Tip Amount | Total Bill | Per Person (2) | Per Person (4) |
|---|---|---|---|---|
| 10% | $10.00 | $110.00 | $55.00 | $27.50 |
| 15% | $15.00 | $115.00 | $57.50 | $28.75 |
| 18% | $18.00 | $118.00 | $59.00 | $29.50 |
| 20% | $20.00 | $120.00 | $60.00 | $30.00 |
| 25% | $25.00 | $125.00 | $62.50 | $31.25 |
Notice the spread: from 15% to 20% is only $5 total — $1.25 per person in a group of 4. For most people, that $1.25 difference is barely noticeable in your budget but adds up significantly for your server over a full shift. Something worth keeping in mind when deciding between 15% and 20%.
Is 15% still a good tip in 2026?
Depends on context. At a sit-down restaurant with full table service, 15% has shifted from "standard" to "minimum acceptable." The new expected range is 18–20% for good service. Leaving 15% won't get you dirty looks, but it does signal that the service was merely adequate — not that you're being cheap, exactly, but that you weren't impressed.
There are situations where 15% is perfectly appropriate and even generous:
Counter service and fast casual: 15% on a $100 order where you're picking up food at a counter is generous. Many people tip $0–10% in these situations.
Takeout: 10–15% on takeout is the current norm. The kitchen still prepares your food, and someone packages it — 15% acknowledges that work.
Buffet service: 10–15% is standard since you're serving yourself. The server handles drinks and clears plates, which warrants less than full-service dining.
The mental math shortcut that always works
Here's the fastest way to calculate 15% of anything without a phone: find 10% (just move the decimal point), then add half of that number. For $100: 10% = $10, half = $5, total tip = $15. For $78: 10% = $7.80, half = $3.90, tip = $11.70. This two-step calculation works for any bill amount and takes about 3 seconds.
For larger group scenarios, the $300 bill split guide and $200 bill 5-way split walk through the math. The 20% on $100 guide covers the higher-end standard. For tipping etiquette in different situations, our 2026 tipping guide has the full picture.
For tipping research and norms, the National Restaurant Association publishes industry data. The DOL tipped worker page explains how tips factor into server compensation.
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