PayPal Fee Calculator
See how much PayPal keeps from a payment, or how much to invoice so you end up with the amount you need.
Quick answer
For US PayPal checkout payments the rate used here is 3.49% + 49¢, so a $100 payment nets $96.02. To receive an exact amount, the calculator works backwards and tells you what to charge. Compare with the Stripe fee calculator.
- Free
- No sign-up
- Business
- Updated October 2026
You receive
$96.02
- Total fee
- $3.98
- Fee as % of payment
- 3.98%
Show the working
- Fee = $100.00 × 3.49% + $0.49 = $3.98
About the PayPal Fee calculator
PayPal’s fee is a percentage of the payment plus a fixed amount that depends on the currency. The default here (3.49% + $0.49) reflects PayPal’s US rate for standard checkout payments; personal Goods & Services, invoices, cards and international payments can differ. PayPal updates these regularly, so confirm the current figure on its merchant fees page and edit the fields.
Freelancers often get paid less than they invoiced because of fees and currency conversion. Use the “what to charge” mode and add the cross-border percentage to quote a price that nets the amount you agreed.
How to use it
- Choose whether you want your net amount or the amount to request.
- Enter the payment or target amount.
- Set the percentage and fixed fee that apply to your account and payment type.
- Add the extra international percentage for payments from another country.
The formula
Fee = Amount × Rate + Fixed fee
- To receive an exact amount: Request = (Target + Fixed fee) ÷ (1 − Rate).
Worked example
A $100 payment at 3.49% + $0.49
- Fee: $3.49 + $0.49 = $3.98.
- You receive $96.02.
- To receive $100, request ($100 + $0.49) ÷ 0.9651 = $104.124, rounded up to $104.13.
Frequently asked questions
Does PayPal charge to receive money from friends?
Personal payments to friends and family funded by a PayPal balance or bank account are usually free domestically. Card-funded and cross-border personal payments can carry fees.
Why did I receive less than the calculator says?
Currency conversion is the usual reason. PayPal adds a conversion spread when it converts to your currency, on top of the transaction fee. Add that percentage in the “Extra %” field.
Are PayPal fees tax deductible?
For a business, payment processing fees are normally a deductible expense. Check the rules for your country with an accountant.
Results are estimates for planning — check critical figures with a professional or the official source.
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