I like to round up to a whole number for the total, but my husband things it's silly, as we are paying by CC so it doesn't matter. I think it's a matter of style. Some people like whole, round numbers. But there are instances when a tip can be rude. I recall one time when a bartender at a fancy hotel was very rude. We tipped him a dime. As we were being seated for dinner, the dime was returned on a silver platter.