Work out payment-processing fees, or how much to charge to receive a target amount.
Calculated instantly in your browser.
How do you calculate PayPal and Stripe fees?
Fee = amount × percent + fixed fee. To receive a target net, amount to charge = (target + fixed) ÷ (1 − percent ÷ 100). On a 100 payment at 2.9% + 0.30, the fee is 3.20 and you receive 96.80; to actually receive 100, you would charge about 103.30. The gross-up covers the fee so your net matches the amount intended.
Understanding your result
Processing fees are a percentage plus a small fixed charge per transaction. Gross-up pricing covers the fee so your net matches the amount you intended to receive.
Formula and method
Fee = amount × percent + fixed fee. To receive a target net, the amount to charge = (target + fixed) ÷ (1 − percent ÷ 100).
Assumptions and limitations
Default rates are typical US rates. Actual fees vary by country, currency, card type and account, and cross-border or currency conversion may add more — use Custom for your exact rate.
Worked example
On a 100 payment at 2.9% + 0.30, the fee is 3.20 and you receive 96.80. To actually receive 100, you would charge about 103.30.
How to use this tool
- Enter the amount and choose a provider (or Custom).
- Pick whether the fee comes off this amount, or you want to gross-up.
- See the fee, what you receive and what to charge.
Common mistakes to avoid
- Assuming the same rate applies internationally — cross-border fees are higher.
- Forgetting the fixed per-transaction fee on small payments.
About the PayPal & Stripe Fee Calculator
The PayPal & Stripe Fee Calculator shows the processing fee on a payment and what you actually receive — or works backwards to tell you how much to charge so you net a specific amount after fees.
Who should use this tool
Freelancers, sellers and small businesses who invoice through PayPal, Stripe or similar and want to know their real take-home.
Benefits
- See the exact fee and net for any amount.
- Gross-up mode tells you what to charge to receive a target.
- Built-in PayPal and Stripe presets, plus a custom rate.
- Private — runs entirely in your browser.
Practical use cases
- Pricing an invoice so you receive the full amount you need.
- Comparing what you keep across providers.
- Checking the fee before accepting a large payment.
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Frequently asked questions
What is gross-up?
It is charging a bit more so that, after the fee is taken, you are left with the exact amount you wanted to receive.
Are these the exact PayPal and Stripe fees?
The presets are typical US rates. Fees vary by region, currency and account, so use the Custom option to match your situation exactly.
What is gross-up and when would I use it?
Gross-up works backwards from the amount you want to keep, raising the charge so that after the percentage and fixed fee are deducted, your net matches the target. It is useful when a client or invoice must settle a precise figure and you do not want the fee to eat into it.