Payment Fee Calculator

How to use

1. 1Pick a mode at the top: Charge to net to see the fee and payout from a customer charge, Net to charge to gross up to a target net, or Batch to total many transactions.
2. 2Choose your processor from the dropdown. Stripe, PayPal, Square, Shopify Payments, Etsy, Venmo, Cash App, and Authorize.Net are grouped by brand; use Custom to enter a negotiated percent and fixed fee.
3. 3Pick the currency you charge in. The display switches locale and formatting; zero-decimal currencies like JPY automatically drop the cents.
4. 4Enter the charge amount (forward), the target net (reverse), or a list of charges one per line (batch). The result updates on every keystroke.
5. 5Read the customer charge, processor fee, effective rate, and net payout in the result panel. Use Copy summary or Copy CSV to drop the numbers into an invoice, quote, or reconciliation sheet.

About this tool

Payment Fee Calculator turns the percent and per-transaction fee that a payment processor charges into the three numbers that actually matter on an invoice: the customer charge, the processor's fee, and the deposit you receive. The forward mode answers the everyday question every freelancer, ecommerce seller, and SaaS operator asks at least once a week, namely how much of a $100 charge is left after the processor takes its cut. The reverse mode (also called gross up) inverts the formula: enter the amount you want to land in your bank account and the tool returns the larger charge needed to land exactly that payout, which is the math behind every Stripe surcharge invoice and every "add the fee to the customer" decision. A batch mode applies the same processor to a list of one charge per line and returns the aggregated fee, the aggregated net, and the effective rate across the batch, useful when reconciling a CSV export against expected payouts. The processor list covers the rates that get searched the most: Stripe US domestic card (2.9% + $0.30), Stripe US international card (4.4% + $0.30), Stripe UK and EEA cards, Stripe ACH Direct Debit, PayPal Business domestic and international, PayPal personal Goods and Services, PayPal Friends and Family, Square online, Square in-person, Square card-on-file, Venmo Business, Cash App for Business, Shopify Payments at the Basic, Shopify, and Advanced plan tiers, Etsy Payments, and Authorize.Net All-in-One. A Custom row accepts any percent and fixed fee so negotiated rates, currency-specific tiers, regional pricing, and new processors fit cleanly without code changes. The math is the well-documented two-part formula: fee = charge x rate% + fixed for forward, and charge = (net + fixed) / (1 - rate%) for reverse, so any spreadsheet can reproduce the same numbers. Currency display is locale-aware (USD, GBP, EUR, CAD, AUD, NZD, SGD, INR, ZAR, JPY) and respects zero-decimal currencies like Japanese Yen. Everything runs locally in your browser using deterministic IEEE 754 arithmetic, so the charge amounts, invoice numbers, and processor rates you enter never leave your device.

Free to use. Works in your browser. No signup, no login.