Jane ate lunch at a local restaurant. she ordered a $4.99 appetizer, a $12.50 entree, and a $1.25 soda. if she wants to tip her server 20%, how much money will she spend in all?

The total cost of the appetizer, entree, and soda is $4.99 + $12.50 + $1.25 = $<<4.99+12.50+1.25=18.74>>18.74.

The tip amount comes out to $18.74 x 0.20 = $<<18.74*0.20=3.748>>3.748.
Therefore, Jane will spend $18.74 + $3.748 = $<<18.74+3.748=22.488>>22.488 in total. Answer: \boxed{22.49}.