Despite evidence of a gap between hypothetical and real moral decisions, research on morality often relies on hypothetical decisions and dilemmas. To investigate the extent of hypothetical bias in moral decision-making, i.e., the difference between hypothetical and real decisions, we conducted three experiments on charitable giving. We focus on an individual aspect, incentives, and a social element, norms, of moral decisions. We also examine whether manipulating a social norm has a different effect on hypothetical bias for Amazon Mechanical Turk (MTurk) participants and university students. We find that hypothetical decisions led to higher reported donations than real donations in all three studies. The size of the incentives did not affect this difference, but the change in social norm only affected MTurk participants: when a moral decision is framed as a norm violation, MTurk participants no longer exhibit hypothetical bias. For university students, hypothetical bias remained despite the change in social norm. We discuss these findings in terms of implications for behavioral ethics as well as experimental methods.