Build your year one habit at a time. Every card below is off until you say otherwise. Turn on the ones that match your life — coffee, restaurants, delivery, rides, bars, personal care, hotel stays — and its fields appear right there. Turn one off and it drops out of your total instantly, but the numbers you entered stay put in case you flip it back on.

Some tips are percentages. Others never were. A restaurant bill gets a percentage. A bartender or a stylist often gets a flat amount per visit instead, and forcing that into a percentage would make the math dishonest. Every card has a toggle between “%” and “Fixed $” so you can match how you actually tip, and if a category doesn’t need a bill at all, that field simply disappears.

As you fill in a habit, its corner shows what it adds to the year right away, with a small flash of the change every time you nudge a number — so you can feel the effect of “one more coffee a week” before you ever scroll down to the total.

Holiday tipping doesn’t happen on a weekly rhythm, so it gets its own single field near the bottom of the habit list — your mail carrier, building staff, the trash crew at the end of the year. One number, no fake frequency attached to it.

The total up top switches between year, month, and week the moment you tap, with the other two scales sitting quietly underneath so you don’t have to click around to see them. Right below that, we show what you spend in categories where tipping prompts are newer — coffee counters, delivery apps, bars — versus categories where it’s been standard for decades. That’s spending in newer tipping situations, not a measurement of the pressure itself; there’s no honest way to separate “habit” from “guilt” using numbers you typed in, so we don’t pretend to.

If you tell us your typical monthly spending, we’ll also show your tipping as a share of that budget, and either way you’ll see roughly how many separate times a year you’re tipping at all — a number most people have never actually counted.

Your single biggest tipping habit gets its own call-out card, and then the full picture prints itself below as a receipt: every active habit, ranked from largest to smallest, each one showing how many times a year it happens and what you typically leave, with a thin bar underneath showing its share of the total. Same numbers as above, just laid out the way a real receipt would.

The receipt tells a different story than the total. A single number says “$880 a year.” The receipt says where those dollars actually went, which is usually more useful — and more uncomfortable — than the total alone. A small button underneath copies the whole breakdown as plain text, and another turns it into a downloadable image, in case you want to keep it or send it to someone.

If something in your life doesn’t fit the built-in list — a dog walker, a regular carwash, a weekly cleaner — add it as its own habit with a name, a frequency, and a tip type of its own. It behaves exactly like the built-in cards and slots straight into the receipt and the total.

Drag the slider below the receipt to see what a smaller tip, across every regular habit, would save you over a year. It doesn’t touch the holiday lump sum, since that’s a one-time amount, not a rate you can dial down. It’s not telling you to tip less — it’s just subtraction, run on your own numbers.