RealFeeCalc All calculators →

See what payment fees really cost you.

Free calculators for PayPal, Stripe, freelance platforms and crypto. See the exact fee, the net you'll receive, and the reverse fee (how much to invoice). Built for freelancers and sellers.

🔒 No signup needed ⚡ Instant results in your browser 💸 Free to use
3.49% + $0.49PayPal Checkout, US business
2.99% + $0.49PayPal standard cards, US business
2.9% + 30¢Stripe domestic cards, US

Checked 2026-10-19 on PayPal's and Stripe's own fee pages. Other countries, accounts and platforms have other rates: enter yours below.

All calculators

Pick the one that matches your processor or marketplace.

PAYPALPayPal fee calculatorCheckout, cards, invoices, international and conversion · US business rates STRIPEStripe fee calculatorUS cards with international, manual-entry and conversion add-ons INVOICE MATHReverse fee calculatorHow much to charge to receive $X MARKETPLACESFreelance fee calculatorPlatform fees from the percentage on your own contract CRYPTOCrypto fee calculatorUSDT · BTC · ETH · exchange and withdrawal fees COMPAREPayPal vs USDTCompare PayPal costs with the costs of a USDT route

Calculator for your country

Fees and rules differ by country. Open the page for yours.

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Read next

Guides on comparing the ways to get paid.

Best freelancer payment methods in 2026PayPal, Wise, Payoneer, Stripe, bank transfer and USDT compared. PayPal vs Wise vs PayoneerDirect invoices, marketplace payouts, FX and withdrawal costs. Wise vs PayPal (2026)How the two compare on the same international payment. How to cash out USDT to your bankThe routes, what they cost and what to check before you start.

FAQ

How do you calculate transaction fees?
Fee = Amount × (Rate/100) + Fixed Fee. Net = Amount − Fee. To receive an exact amount, invoice (Target + Fixed Fee) / (1 − Rate).
What is a reverse fee calculator?
A reverse fee calculator shows how much to invoice so you receive a desired net amount after fees are deducted. Our calculator shows it as "ask for".
Can I use it for PayPal, Stripe, Upwork, Fiverr or crypto?
Yes. PayPal and Stripe have ready settings with US rates checked on 2026-10-19. For Upwork, Fiverr and other platforms, enter the fee percentage from your contract or the platform's fee page.
What is the cheapest way to receive international payments?
It depends on your country, the currency, the amount and who pays the fee, so there is no single answer. Compare PayPal, Wise, Payoneer, a bank transfer and USDT on your own numbers: the payment methods comparison is a starting point.
Is the calculator free and private?
It is free and needs no account. The calculation runs in your browser and the amounts you type are not sent to RealFeeCalc. The site shows Google ads and uses cookies; see the MethodologyPrivacy Policy.
Where do the PayPal and Stripe rates come from?
From the providers' own pages: PayPal's US business fee page (Last Updated: October 1, 2026) and Stripe's pricing page (United States version), both checked on 2026-10-19. Your own rates can differ by country, account type and agreement.
Is receiving USDT legal?
The rules depend on the country, so check your local law and tax rules. This is not legal, tax or financial advice.

Sources

RealFeeCalc is an independent project and is not affiliated with PayPal or Stripe. Fees change: confirm the figures on the provider's page before you rely on them.