Starts with a 2.9% + $0.30 planning preset. Edit both values for the Stripe 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 Stripe payment-processing fee, your net proceeds, or the amount to charge for a target net. The calculator starts with editable 2.9% + $0.30 planning values; replace them with the pricing that applies to your transaction.
Why is my effective Stripe fee slightly above 2.9% + 30 cents?
The published rate applies to domestic cards; international cards, currency conversion, and manually entered card details each add surcharges. A invoice paid by a European card can carry fees well above the headline number. The calculator's standard rate is a floor; check the actual transaction detail for the surcharge lines when a month's effective rate drifts upward.
How does passing fees to customers work out?
Adding a surcharge shifts cost but can depress conversion, and card-network rules limit surcharging in some markets and card types. The arithmetic is simple, the demand response is not: compute the exact surcharge here, then weigh it against the orders a visible fee might divert. Flat-fee absorption is often the cheaper half of that trade.
How this calculator works
Formula
Stripe 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 2.9% + $0.30 planning preset, a $100 payment has an estimated $3.20 fee and $96.80 net proceeds.
Assumptions to verify
- The 2.9% + $0.30 starting values are editable planning assumptions, not a universal Stripe rate.
- Actual pricing can vary by country, card type, payment method, account plan, currency conversion, refunds, disputes, and other services.
- Confirm applicable Stripe pricing and local rules before quoting or adding a surcharge.
Frequently asked questions
How is the Stripe 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 × 2.9% + $0.30.
How much should I charge to receive a specific amount after Stripe 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 Stripe fee differ from this estimate?
Stripe pricing can differ by country, card type, payment method, account plan, currency conversion, refunds, disputes, and other services. Edit the inputs to match the pricing that applies to your transaction.
Cite this tool
BoringToolsKit. “Stripe Fee Calculator.” boringtoolskit.com/stripe-fee-calculator/. Free to reference in articles, syllabi, and answer posts with a link.
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