Free PayPal, Stripe & Freelance Payment Fee Calculator (Net vs Gross)
Stop losing 4% to 6% of your freelance income to payment processing and international currency fees. Calculate both what you keep from an invoice AND the exact reverse gross amount to bill your client so you receive every dollar after fees.
How to Use This Free Tool in Seconds
- Enter the payment amount and select your processor preset (PayPal Domestic, PayPal International 4.4%, Stripe Standard 2.9% + $0.30, or Custom).
- Review 'If You Invoice This Amount': see the exact fee deducted and your net payout.
- Review 'To Receive Exactly This Amount Net': see the exact gross total you should put on your client invoice.
- Click 'Copy Invoice Breakdown' or jump straight to our Free PDF Invoice Generator.
Frequently Asked Questions
How is the reverse 'To Receive Exactly This Amount' calculated?
Simply adding 4.4% to your invoice is mathematically wrong because the payment processor charges 4.4% on the new, larger total too. The true reverse formula is `(Target Amount + Fixed Fee) ÷ (1 - Percentage Fee)`, which this calculator computes to the exact cent.
Can I enter a custom fee percentage for Wise, Payoneer, or local gateways?
Yes! Select 'Custom Fee Rate' or adjust the Percentage (%) and Fixed Fee inputs directly to match any bank or payment gateway.
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