Nobody actually tells you the rule, so most men guess, and about half the time they guess wrong. Here it is: tuck when the shirt is the most formal piece in the outfit, leave it untucked when it's the most casual one.
Tucked: with trousers, chinos, or a blazer
If everything else in the outfit is dressed up, tucking the shirt keeps the whole silhouette clean. An untucked shirt against tailored trousers looks like an accident, not a choice.
Untucked: with jeans, worn solo
When jeans are the base of the outfit, untucked is the more relaxed, natural call — especially with a regular fit that isn't cut long enough to look sloppy hanging loose. This is where a black shirt does its most casual work.
The half-tuck exists for a reason
Front tucked, sides and back left loose. It's a real option, not just a trend, when you want something between fully buttoned-up and fully relaxed — useful with a shirt worn open over a plain tee.
The one thing that matters more than either
A shirt that's faded to a patchy grey looks wrong tucked or untucked. Fit and colour are doing more work than the tuck decision — get those right first, and the tuck question mostly answers itself based on what you're pairing it with.

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