Stripe Fee Calculator
This free Stripe fee calculator shows exactly how much of each payment goes to processing fees — or reverses it, telling you how much to charge so you keep exactly what you want after Stripe takes its cut.
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Enter an amount to see the fee and your net payout.
How to use this calculator
In “Calculate fee” mode, enter the amount you plan to charge a customer. The calculator instantly shows the processing fee, what you keep, and the effective fee rate. In “Reverse” mode, enter the exact amount you want to receive — the tool tells you how much to charge so the fee is covered and you keep your target.
The rate and fixed fee default to Stripe's standard US pricing, but you can change them to match any processor — PayPal, Square, or your negotiated rate — since most card processing uses the same percentage-plus-fixed-fee structure.
How it works
The forward calculation is straightforward: the fee is the percentage of the charged amount plus the fixed per-transaction fee.
fee = amount × rate + fixed fee · net = amount − fee
The reverse (gross-up) calculation solves for the charge that leaves you with your target after the fee is deducted. Because the fee itself depends on the charge, you can't just add the fee on top — the charge must be grossed up algebraically:
charge = (target + fixed fee) ÷ (1 − rate)
The grossed-up charge is rounded to the nearest cent, and the fee is then recomputed from that rounded charge so every number shown is consistent. For example, at 2.9% + 30¢, charging $100 costs $3.20 in fees ($96.80 net); to receive $100 you must charge $103.30.
Estimate based on standard US pricing (2.9% + 30¢); actual rates vary by plan and country.
Frequently asked questions
How much does Stripe charge per transaction?
Stripe's standard US pricing for online card payments is 2.9% + 30¢ per successful charge. Other payment methods (in-person, international cards, invoicing) and enterprise plans have different rates, and pricing varies by country.
How do I calculate the reverse Stripe fee?
To receive a target amount after fees, divide the target plus the fixed fee by one minus the rate: charge = (target + fixed fee) ÷ (1 − rate). For example, to keep $100 at 2.9% + 30¢ you must charge $103.30.
Why is there a fixed fee?
The fixed per-transaction fee (30¢ in the US) covers per-authorization costs charged by the card networks and Stripe's infrastructure for each payment, regardless of the transaction size. It is why the effective rate is higher on small transactions.
Does Stripe charge for refunds?
Stripe does not charge a separate fee to issue a refund, but it does not return the original processing fee — the 2.9% + 30¢ you paid on the original charge is kept. Only the payment amount itself goes back to the customer.