Stripe Fee Calculator: Free Fee & Payout Tool

A Stripe fee calculator shows how much Stripe keeps from a payment and how much reaches your account. Enter an amount, choose a payment type such as standard card, international card, ACH Direct Debit or Stripe Billing, and see the charge, the fee and your payout. You can also work backward from the amount you want to net.

How Are Stripe Fees Calculated?

Stripe fees are usually a percentage of the payment plus a fixed amount per transaction. With the standard card preset of 2.9% + $0.30, a $100 payment costs $2.90 for the percentage and $0.30 for the fixed part, so the total fee is $3.20.

The fixed part is why small payments feel expensive. On a $10 sale the fee is $0.59, which is about 5.9% of the sale. On a $500 sale the fee is $14.80, about 3.0%. The more you charge, the closer your real cost gets to the headline percentage.

The payment types in the calculator

• Standard Card (2.9% + $0.30): the usual rate for domestic card payments.
• International Card (3.4% + $0.30): a higher percentage for cards issued outside your country.
• ACH Direct Debit (0.8%, max $5): a bank debit where the fee never goes above $5, so large invoices cost far less than cards.
• Stripe Billing (1.5% + $0.30): a preset for subscription billing.
• Custom Rate: your own percentage and fixed fee for any other arrangement.

These presets reflect commonly published rates. Your own pricing can differ by country, product, card type or a negotiated deal, so compare the result with your Stripe account and switch to Custom Rate if your numbers are different.

How to Use the Stripe Fee Calculator

You need an amount, a payment type and a mode. The whole calculation takes a few seconds.

1. Type the payment in the Amount ($) field, for example 100.
2. Open Payment Type and pick Standard Card, International Card, ACH Direct Debit, Stripe Billing or Custom Rate.
3. If you chose Custom Rate, fill in Custom % Rate and Fixed Fee ($). Leaving them blank falls back to 2.9% and $0.30.
4. Pick a Mode: "I'm charging this amount" or "I want to receive this amount".
5. Click Calculate Fees.
6. Read the three result boxes: You Charge, Stripe Fee (with the rate used underneath) and You Receive.

If you change any field after calculating, the old result disappears so you never read stale numbers. Click Calculate Fees again to refresh it.

Worked Example: Charging Versus Receiving $100

The two modes answer different questions, and the same $100 gives different results in each. Here are both on the standard card preset.

Mode 1: I'm charging this amount

You charge a customer $100. The fee is 100 x 2.9% = $2.90, plus $0.30, which makes $3.20. You receive $96.80.

Mode 2: I want to receive this amount

You need $100 to land in your account. The calculator divides the target plus the fixed fee by one minus the rate: (100 + 0.30) / (1 - 0.029) = $103.30 after rounding. The fee is $3.30 and you receive exactly $100.00.

Many people try a shortcut: add 2.9% and charge $103.20. That nets only about $99.91, because the percentage also applies to the extra money you added. Working backward fixes that.

How Do You Read and Act on the Results?

The three result boxes tell you what the customer pays, what Stripe takes and what you keep. Use them to decide whether your price covers your costs.

• You Charge: in Charge mode it repeats your amount. In Receive mode it is the price you must set to net your target.
• Stripe Fee: the dollar fee, with the rate shown beneath it, such as 2.9% + $0.30.
• You Receive: your payout before taxes, refunds or any other costs.

Divide the fee by the charge to get your effective rate. A rate near 3% on a card payment is normal. A rate of 5% or more usually means the payments are small and the fixed fee is doing the damage. In that case, set a minimum order value, bundle items, or move larger invoices to ACH.

ACH examples

On a $1,000 ACH payment, 0.8% would be $8, but the cap holds the fee at $5. You receive $995. In Receive mode, a $1,000 target means charging $1,005. The same $1,000 on a standard card costs $29.30, so the saving is easy to see.

International cards

A $250 sale on an International Card costs 250 x 3.4% + $0.30 = $8.80, leaving $241.20. The same sale on a standard card costs $7.55. If many of your buyers pay with foreign cards, build that extra 0.5% into your pricing.

What About Stripe Fees in the UK, Australia, Canada or Europe?

Stripe fee rates differ by country, so the presets will not match every account. For the UK, Ireland, Australia, Canada or the euro area, choose Custom Rate and enter the percentage and fixed fee from your own Stripe pricing.

The Amount field shows a dollar sign, but the math is the same in any currency. Enter the amount and the fixed fee in the same currency, such as pounds or euros, and the results are consistent. Add any extra charges, such as currency conversion, as part of your percentage.

Who Is This Tool For?

• Freelancers and consultants who must quote an invoice that nets a fixed fee after processing.
• Online store owners checking margins on low-priced products where the $0.30 fixed fee bites hardest.
• SaaS founders modeling subscription revenue with the Stripe Billing preset.
• Nonprofits estimating how much of a donation reaches the cause, and how much to ask for to cover fees.
• Bookkeepers sanity-checking a payout against the original charge.

If you also accept PayPal, run the same amount through the PayPal Fee Calculator to compare payouts. To find the typical order size for your fee estimates, the Average Calculator gives you the mean of a list of sales. If you pay for traffic, subtract the processing fee from revenue before judging results in the Ad Metrics Calculator.

Best Practices, Common Mistakes and Troubleshooting

Pick the right mode first

Use "I'm charging this amount" when the price is already fixed, such as a product on a shelf. Use "I want to receive this amount" when you quote services or pass fees to customers. Choosing the wrong mode is the most common reason for a result that looks off.

Check the error messages

• "Please enter a valid amount." means the Amount field is empty or not above zero.
• "Percentage fee must be below 100%." means the Custom % Rate is too high. Enter a rate from 0 to just under 100, and a fixed fee that is not negative.

Do not enter the rate as a decimal

In Custom % Rate, type 2.9 for 2.9%, not 0.029. Entering 0.029 would be read as a tiny 0.029% fee and your payout would look far too high.

Check surcharge rules

Adding a fee to a customer's price is regulated differently by country, state and card network. Confirm what is allowed in your area before you pass fees on. Many sellers build the cost into the price instead of showing a separate line.

Look at your real statements

For fees you have already paid, your Stripe account's payment details and reports show the actual amounts. Use this calculator for planning and quotes, then compare it with those records.

Limitations to Keep in Mind

The calculator covers the percentage and fixed fee for the payment type you pick. It does not add refunds, disputes, currency conversion, extra product fees, taxes or monthly charges, and results are rounded to two decimals, so a payout can differ by a cent. For a blended view, use Custom Rate with your average percentage. If your account has custom pricing, enter it manually and trust that figure over any preset.

Enter your amount above, choose a payment type and click Calculate Fees to see what you keep or what you need to charge. For more money and math helpers, browse the online calculators and utilities collection.