# PayPal & Stripe Fee Calculator

> PayPal and Stripe fee calculator: reverse processing fees to find the exact amount to charge for your target payout. Editable rates, free, runs in your browser.

- **Canonical URL:** https://boringtoolskit.com/payment-fee-calculator/
- **Category:** Seller & Business
- **Evidence level:** authored-methodology
- **Reviewed:** July 26, 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

Fee = amount × percentage rate + fixed fee. Net = amount − fee. Gross-up amount solves for a target net after fees.

## Worked example

For a $100 payment with a 2.9% rate and $0.30 fixed fee, estimated fee is $3.20 and net proceeds are $96.80.

## Assumptions

- Rates vary by processor, country, card type, plan, dispute status, and currency conversion.
- Do not add surcharges unless they are allowed by your processor and local rules.
- Refund, chargeback, instant-payout, and international fees may be separate.

## Common questions

### How much does PayPal charge?

Using this calculator's editable PayPal preset, the fee is 3.49% of the payment plus $0.49. Actual PayPal pricing can vary, so enter the rate and fixed fee that apply to your transaction.

### How are Stripe fees calculated?

Using the editable Stripe preset, multiply the payment by 2.9%, then add $0.30. Subtract that fee from the payment to find the net amount received.

### How do I reverse-calculate a fee?

To receive a desired net amount, calculate the charge as (net + fixed fee) divided by (1 - rate/100). This gross-up accounts for both the percentage and fixed fee.

## Related tools

- /seller-tools/
- /invoice-gen/
- /profit-margin-markup-calculator/

## Sources

- [Current payment pricing and fees](https://stripe.com/pricing)
- [Merchant and business fees](https://www.paypal.com/us/business/paypal-business-fees)

---

*Local planning estimate. Verify current terms, rates, and policies before acting.*