About PayPal Fee Calculator Tool
PayPal charges a percentage of the transaction plus a fixed fee. For domestic US transactions (standard merchant rate): 3.49% + $0.49 per transaction. International transactions and cross-border payments have higher rates.
PayPal fee = (Amount × 3.49%) + $0.49. To receive $100 after fees, invoice: $100 ÷ (1 − 0.0349) − $0.49 = approximately $103.90.
This PayPal Fee Calculator tells you exactly how much PayPal takes from a transaction and, crucially, how much you need to invoice a client to end up with a specific amount in your account after PayPal's cut. It supports standard PayPal merchant rates for the US, UK (GBP), and EUR zones.
Key Features
- Calculate fee amount and net received for any transaction.
- Reverse calculate: how much to invoice to receive a target amount after PayPal fees.
- Supports multiple currencies: USD, GBP, EUR.
- Up-to-date PayPal fee rates for standard merchant and personal transactions.
- Runs entirely in your browser.
How to Use the Tool
- Enter the transaction amount.
- Select your currency and fee type (standard merchant, friends & family, etc.).
- See the PayPal fee deducted and your net received amount.
- Switch to 'I want to receive' mode to calculate how much to charge.
Core Benefits
- Stop undercharging clients — always invoice the correct amount to net your target.
- Understand the actual cost of accepting PayPal payments for your business.
- Compare PayPal fees vs alternatives like Stripe or bank transfer for large payments.
Common Use Cases
- A freelancer wanting to receive exactly $500 from a client after PayPal fees.
- An e-commerce seller calculating the PayPal cost per transaction.
- Comparing whether accepting PayPal vs Stripe is cheaper for a $1,000+ payment.
- A small business owner budgeting merchant processing costs.
Pro Tips
- PayPal's 'Friends & Family' payment has no fee for domestic transfers but offers no buyer/seller protection.
- For large payments over $3,000, Stripe's 2.9% + $0.30 rate is cheaper than PayPal's 3.49% + $0.49.
- Always send invoices — they create a paper trail and are eligible for PayPal Seller Protection.
Use this free PayPal Fee Calculator before invoicing any client. Calculate the correct amount to charge so you always receive your target net payment.