Stripe Fee Calculator

Our Stripe fee calculator helps freelancers and small business owners understand exactly how much they will pay in Stripe processing fees. Stripe charges 2.9% plus $0.30 per transaction for domestic payments. By entering your payment amount, you can instantly see the fee deducted and what you will actually receive.

PayPal Fee Calculator

PayPal charges 3.49% plus $0.49 per transaction for standard invoicing. While this is slightly higher than Stripe, PayPal offers advantages for certain businesses, particularly those with international customers. Use our calculator to compare fees between processors.

How to Use This Payment Fee Calculator

Using our calculator is simple:

• Enter your payment amount to see processing fees
• Or enter your target amount to find what to invoice
• Toggle between Stripe and PayPal to compare
• Copy the invoice amount to charge clients

Stripe vs. PayPal: Which is Cheaper?

For most transactions, Stripe is slightly cheaper than PayPal. Stripe charges 2.9% + $0.30 while PayPal charges 3.49% + $0.49. On a $100 transaction, Stripe costs $3.20 while PayPal costs $3.98. However, the best choice depends on your specific needs—PayPal may be better for certain use cases.

How to Calculate Stripe Fees

To calculate Stripe fees manually, use this formula: (Amount x 0.029) + $0.30. For example, on a $500 invoice: ($500 x 0.029) + $0.30 = $14.50 + $0.30 = $14.80 total fee. Your net would be $500 - $14.80 = $485.20.

How to Pass Processing Fees to Your Clients

Many freelancers pass processing fees to clients by including them in the invoice amount. Our calculator makes this easy—simply enter your target amount and we will calculate exactly what to invoice so you take home your desired amount after fees. This is a common practice for independent contractors and freelance professionals.