If you invoice $100
Gateway Fees-$3.20
You will receive
$96.80
To receive exactly $100
Fees to cover+$3.30
You should invoice
$103.30
Free Fee Calculator Online (No Signup)
Calculate transaction fees and find out exactly how much to charge your clients.
Stripe & PayPalInvoice CalculatorInstant Results
Overview
Welcome to our free Stripe & PayPal Fee Calculator. If you are a freelancer, an agency owner, or an e-commerce merchant, you know the frustration of sending an invoice for $100 and only receiving $96.80 in your bank account because the payment gateway took their cut. Dealing with transaction fees is an unavoidable part of doing business online, but doing the math to cover those fees shouldn't be a headache.
Our calculator simplifies this entire process. It not only tells you exactly how much money you will lose to fees on a given transaction, but more importantly, it features a "To Receive Exactly" reverse-calculation. If you know you need to clear exactly $1,000 for a project, the tool will tell you precisely how much you need to invoice your client to cover the Stripe or PayPal fees.
By default, the tool uses the standard domestic processing rates for Stripe (2.9% + 30¢) and PayPal (3.49% + 49¢). However, we know that international transactions, currency conversions, and special merchant accounts have different rates. That is why we built in the ability for you to enter custom percentage and flat fees to match your exact situation.
Key Features
Dual Gateway Support: Switch instantly between standard Stripe and standard PayPal rates with one click.
Reverse Calculation: Type in the amount you *want to receive*, and we tell you exactly how much you need to *invoice* to cover the fees.
Custom Fee Inputs: Easily override the default percentages and flat fees if you have negotiated custom rates or are dealing with international cross-border fees.
Real-Time Results: As you type the transaction amount, the fees, net profit, and required invoice amounts update instantly.
Mobile Responsive: Perfect for looking up fees quickly on your phone right before sending an invoice to a client.
100% Free & Private: No sign-ups required. The math is done locally in your browser so your financial data remains private.
How to Use Stripe & PayPal Fee Calculator
1Enter the transaction amount in the large 'Transaction Amount' input box.
2Select your payment gateway by clicking either the 'Stripe' or 'PayPal' button.
3If you have custom rates (like a 1.5% international card fee), edit the 'Percentage Fee (%)' or 'Flat Fee ($)' boxes directly.
4Look at the red 'If you invoice' box to see how much money you will actually receive if you bill the client for the amount you typed.
5Look at the green 'To receive exactly' box to see exactly how much you need to invoice the client to walk away with the exact amount you typed.
Benefits
- Stop Losing Money: Ensure you aren't accidentally absorbing hundreds of dollars in payment gateway fees over the course of a year.
- Professional Invoicing: Bill your clients the exact correct amount down to the penny, preventing awkward follow-ups for remaining balances.
- Time Saving: Stop trying to figure out the reverse-percentage math on your smartphone calculator.
- Financial Clarity: See exactly what the payment gateways are taking from your hard-earned revenue.
Common Use Cases
Freelancer Invoicing
A freelance graphic designer agrees to a $500 logo design. Using the calculator, they find they must invoice $515.24 via Stripe to ensure they actually receive $500 in their bank account.
E-Commerce Pricing Strategy
A Shopify store owner selling $10 physical products uses the calculator to see that PayPal takes $0.84 per transaction, helping them adjust their retail price to maintain profit margins.
Donation Goals
A non-profit running a fundraiser needs to raise exactly $10,000 to build a well. They use the tool to calculate how much gross donation volume they need to hit that net goal.
Cross-Border Consulting
A consultant charging international clients adds the extra 1.5% international card fee to the custom rate box to accurately calculate their foreign invoices.
Tips & Best Practices
- Stripe's standard rate for domestic cards is 2.9% + 30¢. However, they charge an additional 1.5% for international cards, and another 1% if currency conversion is required. Be sure to use the custom inputs if this applies to you!
- PayPal's standard rate for online commercial transactions in the US is 3.49% + 49¢. But if you are using PayPal Here (card reader) or receiving international payments, the rates change.
- If you pass fees onto your clients, be transparent about it in your contract. Write 'Client is responsible for 3% payment processing fees' so the higher invoice amount doesn't surprise them.
- If the fees are eating too much of your profit on large invoices (like $10,000+), consider asking the client for an ACH bank transfer or a wire transfer, which usually have capped flat fees instead of percentages.