# PayPal Fee Calculator

> PayPal fee calculator: estimate goods and services fees, net proceeds, and reverse gross-up amounts at 3.49 percent plus 0.49 per deal. Editable rates, free.

- **Canonical URL:** https://boringtoolskit.com/paypal-fee-calculator/
- **Category:** Everyday Calculators
- **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

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

- 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.

## Common 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.

## Related tools

- /stripe-fee-calculator/
- /payment-fee-calculator/
- /invoice-gen/

## Sources

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

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