Personal Finance

Here's how much you should tip in every situation

waitress server restaurant cafe
The average tipper tips about 15% to 20%. tartanparty/Shutterstock
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Every service industry has its own tipping norm, which often causes customers to question how much to tip and when.

Tim Urban, from Wait But Why, a self-described "procrastination website," took it upon himself to shed light on tipping norms by asking over 100 service workers in New York City about their experiences.

The people he consulted included waiters, bartenders, barbers, doormen, valets, and more from different neighborhoods and different businesses. He then compared their feedback with accounts from his site's readers and industry research, particularly that of tipping expert Wm. Michael Lynn.

The findings are summarized in Wait But Why's comprehensive tipping chart below:

chart tipping statistics
Wait But Why

You'll notice that average tippers across most industries give about 15% to 20%, and that it's always a good idea to tip more in extenuating circumstances — like if your food delivery person had to brave bad weather or if you've ordered an elaborate cocktail that takes your bartender three times as long as it would to pour a beer.

Read more: 15 ways to make people respect you immediately

While most of us may try and tip 20% of our meal so as not to seem cheap, keep in mind that you should never tip under 15% in a restaurant or bar. If your service was terrible, take it up with the manager. Most servers rely heavily on tips as a major part of their salaries, so neglecting to tip means they may be working nearly for free. In many places, tips are shared among the staff, so stiffing a service person on a tip may do more than punish just that individual.

And if you aren't tipping, it's nicer to leave the line on your bill for the tip blank and fill in the total below. Putting a zero in the empty space apparently comes across as pointed and mean.

Business Insider is looking for your personal finance stories. Are you paying off student debt, using a handy spreadsheet to manage your savings, or budgeting for a big splurge or early retirement? Share your stories, spreadsheets and tips with us here: lbrandt@bjinnox.com.

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Libby Kane was a personal finance expert who has reported and edited stories about money for more than 10 years. She previously held the Certified Financial Education Instructor (CFEI) certification issued by the National Financial Educators Council.Experience She has written and edited articles on everything from investing tips to model budgets and has interviewed dozens of authors, financial planners, and early retirees to share their advice, experiences, and insights with a global audience. Before joining Business Insider in 2014, she was an associate editor at LearnVest, a personal finance site to help women learn about money. Her work has appeared on sites such as MSN, AOL, Forbes, Slate, and The Street.Her team at Business Insider has tackled projects including:• Women of Means, a series about women taking control of their finances• Inside the Racial Wealth Gap, an exploration of the causes, effects, and potential solutions of the racial wealth gap in the US (finalist, Drum Award, "Editorial Campaign of the Year," 2021)• Strings Attached, a series of essays from people who have left insulated communities and how that journey affected their relationship with money• Master Your Money, a year-long guide for millennials on how to take control of their finances  (first runner up, Drum Award, "Best Use of Social Media," 2022)• The Road to Home, a comprehensive guide to buying your first house (silver award winner, National Association of Real Estate Editors, "Best Multi-Platform Package or Series – Real Estate," 2022)Libby believes in one universal truth about money: Advice is never for everyone. The best strategies, tools, and products depend on your preferences, financial situation, history with money, and goals.ExpertiseHer expertise includes:• Behavioral finance• Early retirement• Budgeting• Saving moneyEducationLibby holds a bachelor's degree from Wellesley College.Outside of personal finance, Libby enjoys reading, baking, and walking her dog.
Libertina Brandt is a real-estate reporter for Business Insider. She covers real-estate trends around the world from both a luxury and an affordability standpoint. Find her on twitter @BrandtLibertina or email her at Lbrandt@bjinnox.com.