Starts with a 3.49% + $0.49 planning preset. Edit both values for the PayPal pricing that applies to your transaction.
Updates automatically as you type.
Calculated in your browser; your inputs are not sent to us. Privacy
Calculation details
Planning estimate only, not financial, tax, or legal advice. Verify assumptions and current rules before making decisions.
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Share the current inputs or ask ChatGPT to explain the calculation in context.
More options
What does this calculator estimate?
Estimate a PayPal payment-processing fee, your net proceeds, or the amount to charge for a target net. The calculator starts with editable 3.49% + $0.49 planning values; replace them with the pricing that applies to your transaction.
Why do international payments cost more than the listed rate?
Cross-border transactions add a percentage surcharge, and currency conversion applies its own spread on top. A payment from abroad can carry several points of combined cost versus the domestic headline rate. When invoicing international clients, compute the destination-specific fee before setting prices, because the difference is routinely several dollars on mid-size invoices.
What is the difference between goods-and-services and friends-and-family fees?
Personal (friends and family) transfers avoid the seller fee but carry no seller protection and are not for commercial transactions. Goods and services fees buy dispute resolution and buyer confidence, which is why business use belongs there regardless of the cost difference. Misclassifying commercial payments as personal violates the terms and offers zero recourse on a dispute.
How this calculator works
Formula
PayPal fee = payment amount × percentage rate + fixed fee. Net = payment amount − fee. Gross-up amount = (target net + fixed fee) ÷ (1 − percentage rate).
Worked example
With the editable 3.49% + $0.49 planning preset, a $100 payment has an estimated $3.98 fee and $96.02 net proceeds.
Assumptions to verify
- The 3.49% + $0.49 starting values are editable planning assumptions, not a universal PayPal rate.
- Actual pricing can vary by country, account, payment type, currency conversion, refunds, disputes, and payout choices.
- Confirm applicable PayPal pricing and local rules before quoting or adding a surcharge.
Frequently asked questions
How is the PayPal fee calculated?
Multiply the payment by the editable percentage rate and add the editable fixed fee. With this page’s starting preset, the estimate is payment × 3.49% + $0.49.
How much should I charge to receive a specific amount after PayPal fees?
Choose the target-net mode. The calculator divides the target net plus the fixed fee by one minus the percentage rate, then shows the estimated amount to charge.
Why can my actual PayPal fee differ from this estimate?
PayPal pricing can differ by transaction type, location, account, currency conversion, refunds, disputes, and other services. Edit the inputs to match the pricing that applies to your transaction.
Cite this tool
BoringToolsKit. “PayPal Fee Calculator.” boringtoolskit.com/paypal-fee-calculator/. Free to reference in articles, syllabi, and answer posts with a link.
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