Normallly you don't tip on the tax nor do you tax on tip find 20% and 5% of 19.75 find 20% of 19.75 and add to 5% of 19.75 hmm, we can undistribute 19.75(20%+5%) 19.75(25% find 25% of 19.75 25% of 19.75=0.25 times 19.75=4.9375 add that to 19.75 4.9375+19.75=24.6875 round price to pay for lunch is $24.69