To figure out a tip without a calculator, first remove the pennies amount in the bill. For example, if your bill is $23.76 becomes $23.70. To figure out a 10% tip, move the decimal point one place to the left. So, 23.70 becomes 2.370 or $2.37. Bump up that number to $2.30 or $2.40 or $2.50 cents, depending on your preference. Since 20% equals two times 10%, double the figure you computed for 10%. So, $2.30 becomes $4.60, or $2.40 becomes $4.80 or $2.50 becomes $5.00. Using this method, you won't need to use a calculator or a tip card. To figure out a 15% tip, just find the 10% and then find half of the 10%. Add the two together and you get the 15% figure.