Payment Fee Calculator
Find out what you actually receive after payment processor fees, or what to charge to receive a target amount. Presets for PayPal, Wise, Payoneer, Stripe and bank transfers.
The fees that quietly shrink your pay
Every payment platform takes a cut, and on international freelance work those cuts add up fast. A 3.5% fee on a 500 payment is real money gone before you see a cent. This payment fee calculator shows exactly what lands in your account — and, just as usefully, what to invoice so the fee does not come out of your pocket.
Two ways to use it
'What I receive' takes the amount a client pays and subtracts the processor's percentage and fixed fee to show your true net. 'What to charge' works backwards: tell it the amount you want to actually receive, and it grosses up the invoice so the fee is covered. The second mode is how savvy freelancers stop silently absorbing transfer costs.
Choosing the cheapest route
Fees vary widely between providers. Card-based platforms like PayPal and Stripe charge a percentage plus a fixed fee, which hits small payments hardest. Transfer services like Wise often charge less on larger international sums. The presets give you ballpark figures, but always check the current rate for your countries and currencies, as they change.
Frequently Asked Questions
How much does PayPal charge freelancers?
It varies by country and payment type, but a common rate is around 3.49% plus a small fixed fee for goods and services. Always confirm your current rate.
How do I make the client cover the fee?
Use 'What to charge' mode. Enter the amount you want to receive and the tool grosses up the invoice so the fee is covered.
Are these fee presets exact?
They are realistic estimates. Processor fees change and depend on your location, currency and account type, so verify before invoicing.
Is the calculator free?
Yes, free and private — nothing you enter leaves your browser.