Payment Fee Calculator
Rates are common defaults and can change. Edit the percentage and fixed fee to match your account.
Payment Fee Calculator - PayPal, Stripe, Fiverr and Custom Fees
This free payment fee calculator shows how much a platform keeps and how much you actually receive. It works both ways: enter a payment to see your take-home pay, or enter the amount you want to receive and find the exact price to charge. It suits freelancers, online sellers and small businesses that get paid through PayPal, Stripe, Fiverr or any other service.
How Payment Fees Work
Most processors charge a percentage of every payment plus a small fixed fee. International cards, currency conversion and withdrawing to a local bank can add more.
- Fee = Amount x Fee % + Fixed fee
- You receive = Amount - Fee - Extra fees
- Price to charge = (Amount you want + Fixed fee) / (1 - Total fee %)
Example: Receive $100 After Fees
| Platform (example rates) | Charge the client | You receive |
|---|---|---|
| Stripe 2.9% + $0.30 | $103.30 | $100.00 |
| PayPal 3.49% + $0.49 | $104.13 | $100.00 |
| Fiverr 20% | $125.00 | $100.00 |
Tips To Keep More Of Your Money
- Build the fee into your price instead of absorbing it.
- Compare processors on the same payment size, since fixed fees hurt small payments most.
- Batch withdrawals to cut fixed withdrawal fees.
- Check currency conversion rates, which are often the biggest hidden cost.
Frequently Asked Questions (FAQs)
Q: How do I calculate PayPal fees?
A: Fee = amount x percentage + fixed fee. For a US domestic PayPal checkout of $100 at 3.49% + $0.49, the fee is $3.98 and you receive $96.02. Use the preset above and edit the rates if PayPal changes them.
Q: How much should I charge to receive an exact amount after fees?
A: Switch to 'I want to receive' mode. The formula is: Charge = (Amount you want + Fixed fee) / (1 - Total fee %). For example, to receive $100 with 2.9% + $0.30, charge $103.30.
Q: What are Stripe's fees?
A: Stripe's standard US card rate has been 2.9% + $0.30 per successful card charge, with extra percentages for international cards and currency conversion. Rates differ by country and plan, so edit the fields to match your account.
Q: Does Fiverr take 20%?
A: Fiverr charges sellers a flat 20% service fee on each order, so a $100 gig pays you $80 before withdrawal fees. Use the Fiverr preset to compare it with card and PayPal fees.
Q: What are conversion and withdrawal fees?
A: Many platforms charge an extra percentage when you convert currency or withdraw money to a local bank. Enter that percentage in the 'Extra fee' box so your take-home number is realistic.
Q: Are these fee rates always correct?
A: Fee rates change by country, account type and date. The presets are common starting points and the calculator lets you edit every number. Always confirm current rates on the payment platform's official pricing page.
Q: Is this payment fee calculator free?
A: Yes. It is free, needs no signup, and all math runs in your browser.