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> This is partially because credit card receipts only include the total, not the tax separated out. So really, anything under around 22% is a bad tip.

Can you explain the math? Why is this amount higher than 20% rather than lower than 20%?

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The credit card receipt shows 1 total: food+tax. So the amount the server is basing the tip off is higher than what I am. So for me to tip what they think is 20%, I have to tip what I think is 22%.

Ah, got it. I tip base off of the pre-tax amount just out of principle.

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