Payment Fee Calculator

Payment processors are not free. Stripe, PayPal, Wise, and Payoneer each take a percentage of every transaction, plus a fixed per-transfer fee. For high-volume freelancers, those fees add up to thousands of dollars per year. Choosing the wrong processor without calculating the real cost is one of the most expensive oversights in freelance finances.

This calculator compares processor fees against your average invoice size and monthly volume so you can see the true net amount you keep. Use it before locking into a processor or negotiating rates.

Calculate net amounts after PayPal, Stripe, Payoneer, Wise, and other processor fees.

How to use this tool

Fill in the form fields with your details.
Review the live preview as you type.
Use the action buttons below to download, print, or reset.

All calculations happen in your browser. No data is sent to any server.

Payment Fee Calculator

Payment Details

Gross Amount

Total amount before fees.

Payment Method

Results

Gross Amount$100.00

Processor Fee (2.90% + $0.30)-$3.20

Net Amount$96.80

Fee rate: 2.90% + $0.30 fixed

Payment Fee Calculator FAQ

What are PayPal fees?

PayPal typically charges 2.9% of the transaction amount plus a $0.30 fixed fee for domestic transfers. International transactions and currency conversions may have additional charges.

Does Stripe charge less than PayPal?

Stripe and PayPal have similar standard rates (2.9% + $0.30). Stripe often offers lower rates for high-volume businesses, so always negotiate based on your monthly volume. Fees vary by volume, country, and payout method. For a deeper look at payment tools, see Free Invoice Generators Compared.

How do I calculate net from gross?

Use our calculator: enter your gross amount and payment method, and we automatically subtract the processor fee. The formula is: net = gross - (gross × rate + fixed_fee).