PayPal Fee Calculator
See the PayPal fee, what you actually receive, and what to charge to net a target amount.
How to use the PayPal Fee Calculator
- Enter the amount being sent to you.
- Adjust the fee rate and fixed fee to match your account if needed.
- Read the fee, what you receive, and what to request to net the full amount.
Fee = amount × rate% + fixed · Receive = amount − fee
About the PayPal Fee Calculator
This calculator estimates the PayPal fee on a payment using the simple formula fee = amount x rate% + fixed, then shows what actually lands in your account after that fee is taken out. It starts with the standard commercial rate of 2.9% plus a $0.30 fixed fee, which is the common online rate, but both fields are fully editable so you can match whatever your account is really charged.
That default is only a starting point. Real PayPal fees vary by country, currency, whether the payment is domestic or cross-border, the card or funding source used, and the product or plan you are on. Micropayments, charity, and international transfers all use different rates. Always confirm the exact percentage and fixed fee that apply to you, then type them in for an accurate result.
The tool also handles the reverse question: to actually receive a target amount, you have to charge a little more to cover the fee. This gross-up figure tells you what to request. Treat every number here as a one-way estimate based on the values you enter, not a quote from PayPal. To compare against another processor, try the Stripe Fee Calculator.
Frequently asked questions
How is the PayPal fee calculated?
The fee is the amount multiplied by the percentage rate, plus the fixed fee. With the defaults, a $100 payment gives 100 x 2.9% + $0.30 = $3.20, so you receive $96.80. Both the rate and the fixed fee can be changed to match your account.
Are the default 2.9% and $0.30 always correct?
No. That is the standard commercial online rate and a useful starting point, but real PayPal fees differ by country, currency, cross-border status, funding source and account type. Check the rate that applies to your situation and enter it for an accurate figure.
How much should I charge to receive an exact amount?
Because the fee comes out of what is sent, you must charge more than your target to net it in full. The calculator shows this grossed-up amount, so if you want to end up with a specific sum you know exactly what to request.
Does this include currency conversion or cross-border fees?
No. The tool applies only the single percentage and fixed fee you enter. PayPal often adds separate currency-conversion spreads and cross-border surcharges, so international payments can cost more than this basic estimate suggests.
Is the result an official PayPal quote?
No. It is an estimate based purely on the numbers you type in. Use it for quick planning and pricing, but rely on PayPal itself for the exact fee charged on any real transaction.