Free Stripe Fee Calculator for freelancers and small businesses

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Stripe Fee Calculator: Accurately Estimate Your Fees and Net Payout

If you run an online business, freelance, or sell digital products, Stripe is probably one of your main payment processors. It’s convenient—but those 2.9% + $0.30 style fees can make it hard to know exactly what you’ll keep after each transaction. Use it alongside your calculator to give users both a powerful tool and clear guidance.

Note: This sample fees such as 2.9% + $0.30 (a common U.S. online card rate). Stripe’s actual fees vary by country, product, payment method, and your specific account. Always confirm pricing on the official Stripe website.

How Stripe’s basic fee formula works

For many standard online card payments, Stripe’s pricing is structured like this:

• Percentage fee: e.g., 2.9% of the transaction amount
• Fixed fee per transaction: e.g., $0.30 per charge

In formula form:

Stripe fee = (transaction amount × percentage fee) + fixed fee

For example– with a $100 payment and a 2.9% + $0.30 fee:

• Percentage part: 100 × 0.029 = $2.90
• Fixed part: $0.30
• Total Stripe fee = $2.90 + $0.30 = $3.20

Your net payout (before refunds, disputes, etc.) would be:

Net payout = Transaction amount − Stripe fee
Net payout = 100 − 3.20 = $96.80

A good Stripe fee calculator (2.9% + $0.30) automates this so you just enter an amount and see:

• Stripe fee
• Net payout
• Effective fee percentage

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Two ways to use a Stripe fee calculator

The calculator described in your page supports two main modes:

1. From customer charge – “If I charge my customer $X, what fee will Stripe take, and what do I receive?”
2. From desired net – “I want to receive $Y after fees. How much should I charge the customer so that Stripe’s fee is covered?”

Mode 1: Calculate from customer charge

This is the most common scenario:

• You know how much the customer is paying (e.g., $50 or $199).
• You want to know Stripe’s fee and your net.

The calculator needs:

• Transaction amount (what the customer pays)
• Percentage fee (e.g., 2.9)
• Fixed fee (e.g., 0.30)

Then it computes:

• Stripe fee:

fee = amount × percentage + fixed fee

• Net payout

net = amount − fee

• Effective fee rate

Effective fee (%) = (fee ÷ amount) × 100

Mode 2: Calculate from desired net (pass fees to customer)

Sometimes you want the customer to pay the fee, so you receive a clean net amount (e.g., $100).

This is a “gross‑up” calculation:

• You enter the amount you want to receive after fees.
• The calculator tells you how much to charge the customer.

Given:

• desired net = the amount you want to receive
• rate = percentage fee (e.g., 0.029)
• fixed fee = fixed fee per transaction (e.g., $0.30)

The formula is:

Amount to charge = (desired net + fixed fee) / (1 − rate)

Then:

• Stripe fee = amount to charge − desired net
• Effective fee rate = Stripe fee ÷ amount to charge

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How to use the Stripe fee calculator (step by step)

Here’s a user‑friendly walkthrough for a calculator with:

• Mode toggle (From customer charge / From desired net)
• Custom percentage fee and fixed fee
• Currency symbol selection

Step 1: Choose your mode

At the top of the calculator, select:

• From customer charge
  • You know the customer payment amount and want to see fee + net.
• From desired net
  • You know the net amount you want to receive and want to know what to charge so fees are fully covered.

The helper text under the toggle should update to confirm which mode you’re using.

Step 2: Select a currency symbol (for display only)

You can typically choose:

• €,£,CA, AUora∗∗custom∗∗symbol(like“Rs”or“Rora∗∗custom∗∗symbol(like“Rs”or“R”).

This does not change the math, only how amounts are displayed. Stripe’s fee percentages and fixed fees depend on your Stripe account, not the symbol you pick.

Step 3: Enter Stripe’s percentage and fixed fees

In most Stripe fee calculators, these are customizable:

• Percentage fee – e.g., 2.9
• Fixed fee – e.g., 0.30

Examples:

• US online cards might be ~2.9% + $0.30
• Some regions or card types may have lower or higher rates

You can also change these fields to see how different pricing structures affect your net.

Step 4A: “From customer charge” mode

If you selected From customer charge:

1. Enter the amount the customer pays, e.g. 100.00.
2. Click Calculate.

The Stripe fee calculator will show:

• Customer pays: e.g., $100.00
• Stripe fee: e.g., $3.20
• You receive: e.g., $96.80
• Effective fee rate: e.g., 3.20%

Step 4B: “From desired net” mode

If you selected From desired net:

1. Enter the amount you want to receive after fees, e.g. 100.00.
2. Click Calculate.

The calculator will:

• Use the formula:

(desired net + fixed fee) / (1 − percentage)

• Show:
  • Customer pays: required amount before fees
  • Stripe fee: what Stripe takes
  • You receive: your desired net amount
  • Effective fee rate: fee as a percentage of what the customer pays

This is ideal if you want to “pass Stripe fees to customers” (where legally and contractually allowed).

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Examples using the Stripe fee calculator (2.9% + $0.30)

Let’s look at a few concrete examples using the common U.S. fee of 2.9% + $0.30.

Example 1: Customer pays $100 (From customer charge mode)

Inputs:

• Mode: From customer charge
• Percentage fee: 2.9%
• Fixed fee: $0.30
• Customer pays: $100.00

Calculations:

• Fee = (100 × 0.029) + 0.30 = 2.90 + 0.30 = $3.20
• Net = 100 − 3.20 = $96.80
• Effective fee = (3.20 ÷ 100) × 100 = 3.20%

Output:

• Customer pays: $100.00
• Stripe fee: $3.20
• You receive: $96.80

If you charge $100 per transaction, you won’t actually see $100 in your Stripe balance—you’ll see $96.80.

Example 2: You want to receive $100 after fees (From desired net mode)

Inputs:

• Mode: From desired net
• Percentage fee: 2.9%
• Fixed fee: $0.30
• Desired net: $100.00

Calculator uses:

Amount to charge = (desired net + fixed fee) / (1 − rate)
= (100 + 0.30) / (1 − 0.029)
= 100.30 ÷ 0.971 ≈ $103.30

Stripe fee:

• Fee = 103.30 − 100.00 = $3.30
• Effective fee = (3.30 ÷ 103.30) × 100 ≈ 3.19%

Output:

• Customer pays: ≈ $103.30
• Stripe fee: ≈ $3.30
• You receive: $100.00

This is the core of a Stripe fee calculator from net amount: it tells you what to invoice so your actual payout matches your target.

Example 3: Small transaction ($10), same fees

Inputs:

• Mode: From customer charge
• Customer pays: $10.00
• Percentage fee: 2.9%
• Fixed fee: $0.30

Calculations:

• Fee = (10 × 0.029) + 0.30 = 0.29 + 0.30 = $0.59
• Net = 10 − 0.59 = $9.41
• Effective fee = (0.59 ÷ 10) × 100 = 5.90%

Even though the rate is 2.9% + $0.30, the effective fee percentage on a small charge is higher (5.9%) because the fixed $0.30 is a larger share of the total.

A Stripe fee calculator helps you see this clearly and adjust your pricing if necessary.

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Factors that affect real Stripe fees (beyond 2.9% + $0.30)

The calculator uses a simplified model (percentage + fixed fee), but real Stripe pricing can depend on:

Location

• Different base fees by country
• Local vs. international card surcharges

Card type

• Credit vs. debit
• Rewards, corporate, or premium cards

Payment method

• Cards vs. ACH vs. bank transfers vs. wallets (Apple Pay, Google Pay, etc.)

Currency conversion

• Additional FX fees when the customer’s card currency differs from your payout currency

Chargebacks / disputes

• Extra fees if a customer disputes a charge

• Optional Stripe products
  • Billing, Radar, Connect, Atlas, etc., may carry extra costs

Your Stripe fee calculator is for estimation—not an official invoice. Always double‑check your real fees in:

• Your Stripe Dashboard, and
• The official Stripe pricing page for your country and products.

Practical use cases for a Stripe fee calculator

A Stripe fee calculator is useful in many situations:

Freelancers and consultants

• Pricing one‑off services
• Deciding whether to absorb the fee or add it to the invoice
• Estimating how much of a retainer or milestone payment you’ll actually receive

E‑commerce and online stores

• Testing different product price points after fees
• Comparing Stripe fees to marketplace or platform fees
• Estimating profit margins at scale

SaaS and subscription businesses

• Checking net revenue per subscription after Stripe processing fees
• Planning tier pricing and discounts while still hitting revenue targets
• Calculating what to bill so you net round amounts (e.g., $10/month true net)

Agencies and service businesses

• Structuring invoices so Stripe fees are visible in planning
• Using “From desired net” mode to ensure they receive clean round amounts after fees
• Communicating to clients how much of their payment covers processing vs. service

Non profits and donations

• Estimating how much of a donation goes to Stripe vs. to the cause
• Deciding whether to give donors the option to cover fees
• Setting up donation tiers that account for processing costs

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Tips for using a Stripe fee calculator wisely

Don’t forget about refunds and disputes

The calculator works on successful charges only. Real revenue can be lowered by:

• Refunds
• Chargebacks
• Long‑term churn for subscriptions

Use the calculator to understand per‑transaction economics, then zoom out to your overall business metrics.

Check legality and terms before passing fees to customers

In some regions and scenarios, surcharging (adding card/processing fees on top of the price) can be:

• Regulated by law
• Restricted by card network rules
• Controlled by your payment processor’s terms

Before using the “From desired net” mode as a surcharge, consult:

• Local regulations
• Card network rules (Visa, Mastercard, etc.)
• Stripe’s terms of service

In some cases, you might choose instead to bake the fee into your price.

Use it for “what‑if” planning

A Stripe fee calculator is not only for exact charges today; it’s also a great planning tool:

• Try different percentage + fixed fee combinations (e.g., what if Stripe lowers or increases your fees?).
• Compare local vs. international pricing scenarios.
• See how much more you’d need to charge to keep the same net when fees change.

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FAQ/Frequently Asked Questions

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