Frugal Find Friday: Tab app

IMG_3481Going out to a meal with friends may start out as jovial time, but it turns into every millennial’s nightmare the moment the waiter leaves the bill. Suddenly, battle lines are drawn and everyone begins their own self-serving calculation for what they owe. One guy claims he never had any alcohol so should pay less, while another says she didn’t touch the appetizers and the man – who ordered two bottles of wine and a steak asks – to just split it evenly. Fortunately, you – always the tech savant – have the app to end all splitting-the-check headaches: Tab.

Tab – a free app available for the iPhone and Android – only needs you to snap a picture of your bill in order to start dividing it up fairly. It even (most of the time) adds in tax and tip.

Step one: you take a picture of your bill and Tab begins processing. It prompts you to enter the first person’s name – Let’s say Jeff. The next screen pulls up the items from the receipt and you simply click on the items Jeff ordered. The items will be highlighted in red saying, “Jeff got this.”

After Jeff’s items have been properly allocated, you click +Add to move on to factoring in Jeff’s dining companion, Steve. Don’t forget — Jeff and Steve picked up a meal for Steve’s girlfriend Eva.

If Jeff, Steve or Eva shared an item you can add a second person’s name to an item to split the cost. This also works if you got two of the same item and need to divide the price.

After all the meals have been assigned to Jeff, Steve and Eva it’s time to add tax and tip. Tab defaults to tipping your server at 18% but you can be stinger or more generous by simply tapping of the plus or minus sign next to the 18% at the bottom of the screen.

If the restaurant already added in tip, you can type that in and it removes the preset 18% tip.

Unfortunately, Tab isn’t always effective with calculating tax and does not have a way to add it in once you’re in the tax and tip portion of the bill. You may have to just divvy up the cost of tax by hand.

Another design flaw occurs if you include the “grand total” for the meal in the picture, Tab will pick this up as something that needs to be assigned to someone and calculated — thus doubling the price of your meal because someone has to be assigned the “grand total” as an item.

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A few kinks aside, Tab does help reduce the friction at meals when it’s time to ante-up, particularly if you have a friend who tends to freeload or conveniently forgets about tax and tip when throwing in his share of the bill. Tab will help keep a few extra bucks in your pocket — unless you’re the freeloading friend!

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29 comments on “Frugal Find Friday: Tab app
  1. Hmm definitely an interesting app, but I wonder if it’s easy (and quick) enough to use when you are trying to pay a bill – everyone seems so rushed!
    DC @ Young Adult Money recently posted…The Weekly Quick Hits RoundupMy Profile

    • Broke Millennial says:

      I haven’t had too much issue with time, but I’ve only used it for about 3 folks. If you have 10 at the table it might take a bit more time.

  2. That is pretty bitchin! I’ve learned to ask for a separate check upfront to avoid these situations but this app would definitely help. I usually just get a salad or small appetizer when we go out to eat so I only want to pay for what I order.
    Holly@ClubThrifty recently posted…Going Out on a BudgetMy Profile

    • Broke Millennial says:

      I hate paying for other people’s expensive items! Sometimes places don’t want to do separate checks in NYC, so it’s a great app for dinners out here. But, it doesn’t work on handwritten bills which a lot of the places I frequent tend to use.

  3. Mr. NYBudget says:

    That definitely seems handy! If only restaurants would start bringing out the check on an iPad with a similar software loaded so people could split it however they wanted right on the check! It could also have a card swipe attachment so people could pay right there as well!

    We have the technology! We just don’t implement it.
    Mr. NYBudget recently posted…Anatomy of a Chore: How to Motivate YourselfMy Profile

    • Broke Millennial says:

      It seems only a matter of time until all bills are on iPads. I’ve seen a place smaller restaurants doing the iPad route, at least for taking the order.

  4. hmmm, sounds a little complicated, even for me and I’m the worst at math. I’ve never had any disputes with friends when it comes to the bill. Although I’ve heard California is notorious for splitting the bill evenly, I’ve yet to experience that most of the time. If something is very uneven, meaning someone only had a glass of wine versus a full meal, everyone seems totally ok with that person paying just for wine. I usually just round up and if I can’t figure out the tax from that I use a calculator, or just flat out ask my smarter friends. 🙂
    Tonya@Budget & the Beach recently posted…Ramblings and Link LoveMy Profile

    • Broke Millennial says:

      Lucky you for never having issues! My biggest problem is going out to birthday dinners for a friend when I don’t know a bunch of the people in attendance. Always awkward to throw down over not splitting it evenly when you aren’t familiar with a lot of the party.

  5. Pretty cool app. For the most part, we just split it evenly but separate the alcohol because that really increases the bill. I like using this app though because I often order something less expensive while many order much more expensive things, as well as appetizers/desserts. Makes things more fair this way.
    Andrew@LivingRichCheaply recently posted…How to Use History to InvestMy Profile

    • Broke Millennial says:

      Agreed! Always uncomfortable to be the stick-in-the-mud who nitpicks. This app just kind of does it for you!

  6. I love the concept of an app taking the discomfort from splitting a tab, it just seems like a lot of steps, especially when people have been drinking. But I am going to try it out.

    • Broke Millennial says:

      Hope it goes well! As long as you aren’t seeing double it should still work well when you’ve been drinking. 😛

  7. Michelle A says:

    Sounds like a great app. Most places we go to can split the bill, but that’s probably because I’m in a smaller city whereas NYC seems like they have more hole-in-the-wall places that might make it hard to split the check. I will have to check it out now that I have a smartphone. They really do have an app for a lot.

    Is it free?

    • Broke Millennial says:

      Unfortunately, I’ve had more than one waiter not be willing to split the check. Nice that you’re able to frequently get the check split for you.

      And yup, it’s free! I’ve never paid for an app.

  8. Gina says:

    This sounds awesome! Going to download it now. Thanks for sharing!
    Gina recently posted…{Currently} JanuaryMy Profile

  9. Michelle says:

    Interesting! In the midwest, it seems like splitting bills is not the norm (I’ve only once ever done it, and it was in Chicago). We always just get separate bills.
    Michelle recently posted…Extra Income Series: I’m a Creative Web EntrepreneurMy Profile

  10. Good to know! If I’m dining with one friend, I often pick up the whole tab and we agree that she’ll pick up the next one. I’m blessed with friends who keep their word and have a good memory, I guess!
    Kendal @HassleFreeSaver recently posted…New Year, New DealMy Profile

    • Broke Millennial says:

      That’s such a lovely concept! Nice to have such a good group of friends. I would feel comfortable doing that with some of my close friends, but not just going out for a birthday dinner or with acquaintances.

  11. Micro says:

    I usually try to mention the tab is going to be split up front if that’s the case. Even if we forget, we just get the server to do it after the fact. This way everyone gets their own individual bill and there is no arguing over who pays what.
    Micro recently posted…Making the switch to Republic WirelessMy Profile

    • Broke Millennial says:

      I do if it’s a smaller dinner party. I’ve had servers say no up front though…always a pain when that happens.

  12. eemusings says:

    Hmm interesting! Would probably work here since we don’t tip or add taxes at the end. But bill splitting here is pretty straightforward – they itemise the bill and then you just tell them what items you had. Easy peasy.
    eemusings recently posted…Link love (Powered by Disney and cheese toasties)My Profile

  13. Nice! I’m going to use this app for me and my friends..
    Brian Naennals recently posted…pixelbean internet hustler societyMy Profile

  14. Broke Millennial says:

    Hope it works out well for you!

  15. I’m so glad you shared this. I’m over the uncomfortable bill splitting conversations and grown people’s inability to do basic math at the end of a meal.
    Stefanie @ thebrokeandbeautifullife recently posted…When FREE Isn’t Worth It.My Profile

  16. This app looks awesome – I’m definitely downloading soon and giving it a try. My friends and I always bump into awkward money situations when splitting the tab. Hopefully this can help us avoid that.
    Lisa E. @ Lisa Vs. The Loans recently posted…Lisa vs. the Millionaire ListMy Profile

  17. Gabe says:

    Hey there, I’m one of the creators of Tab. We came across this piece a little late, but we’re glad you enjoyed the app and just wanted to address a couple of the issues you encountered!

    If items are ever read incorrectly, or things are added that shouldn’t be (e.g. the total at the bottom), you can swipe left on them to delete or edit as needed. Similarly, in cases where the tax amount isn’t detected properly, you can swipe left on the tax row and enter the appropriate amount manually.

    Hope this helps! Thanks again for the coverage, and let us know if you have any other questions or suggestions.

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