Stripe Fees Calculator

What the calculator does

The form has an amount field, a currency selector, a fee preset menu, a rounding switch and two mode tabs. In Charging mode, the amount is the customer's payment and the result shows the fee and the net. In Receive mode, the amount is the target net and the result solves for the charge that would produce it.

The fee is calculated as a percentage of the amount plus a fixed component, with optional caps for some presets. The page then subtracts the fee from the charge to show the net. The breakdown line makes the arithmetic visible so you can check the result rather than trusting a single number.

The currency selector changes the symbol and formatting, not the underlying rates. That is an important limitation: a preset built around US dollar pricing does not automatically become a correct euro or pound pricing model.

How to use it

1. Enter the payment amount.
2. Choose the currency you want to display.
3. Select the fee preset that matches the payment method. The default is a domestic card preset.
4. Leave rounding on if you want a clean two-decimal display, or turn it off to see the raw calculation.
5. Read the fee and net figures, then check the breakdown.
6. Switch to Receive mode if you need to work backwards from a target payout.

If the amount is zero or negative, the page clears the result rather than showing a negative fee. Enter a positive amount for a meaningful estimate.

The preset menu in plain language

The presets cover common scenarios: domestic cards, manually entered cards, international cards, international cards with currency conversion, Link, instant bank payments, buy-now-pay-later, ACH, stablecoin, invoices, in-person terminal payments, Tap to Pay and a managed platform option. Some presets have a percentage only; others add a fixed amount or a cap.

For example, the domestic card preset is a percentage plus a small fixed fee, while ACH is a lower percentage with a maximum cap. An invoice preset has a different percentage and cap again. The exact numbers are stored in the page and can change over time; read the preset label and detail text before relying on the result.

Do not assume that the preset with the lowest percentage is always the cheapest. A capped method can be cheaper for a large payment and more expensive for a small one. A fixed component hurts small transactions more than large ones.

Charging mode versus Receive mode

Charging mode answers: “If I charge this amount, what fee is deducted and what do I keep?” Receive mode answers: “If I need this much after fees, what should I charge?” The second calculation is not simply the target plus the fee percentage; the fee is based on the final charge, so the page solves for the charge that produces the target net.

For a simple percentage-only preset, the formula is target divided by one minus the percentage. For a preset with a fixed fee, the fixed amount is added before dividing. For a capped preset, the page uses an iterative search because the cap can make the relationship non-linear.

Check the result against a real invoice or the Stripe dashboard before charging a customer. Small rounding differences can matter when you are reconciling accounts.

What the estimate leaves out

The calculator does not include refunds, chargebacks, disputes, currency conversion spreads, tax, payout fees, subscription billing fees, Connect platform fees or custom negotiated pricing. It also does not model monthly fees, terminal hardware, or the cost of maintaining a payment integration.

Tax is especially important. A payment amount may include sales tax or VAT that you must remit; the processing fee applies to the total charge, but the tax portion is not your revenue. Do not treat the net figure as profit.

For international payments, the customer's bank or card network may add its own conversion charge. The preset for international cards with conversion is an estimate of Stripe's side, not the whole cost to the customer.

Accuracy, privacy and limits

The calculator runs entirely in your browser. It does not connect to Stripe, read your account or create a charge. The amount and currency stay in the page and are not saved. Reloading resets the form.

The presets are stored values, not a live feed. Stripe pricing varies by country and can change. Treat the output as a planning estimate and confirm the actual fee in your Stripe dashboard or the current pricing page for your region.

The currency selector does not convert money. It only changes the symbol; the numeric amount remains the same. If you need a currency conversion, use a separate exchange-rate tool and then enter the converted amount.

Pricing a product or invoice

Start with the price you want the customer to see, then use Charging mode to see the net. If the net is below your target margin, raise the price and recalculate. For a service business, include the cost of delivery, tax and your time before deciding that the net is acceptable.

For an invoice that must produce a specific payout, use Receive mode. Enter the target net and let the page estimate the charge. Round the final customer-facing amount to a sensible number, then run the calculation again on the rounded charge so the fee and net stay consistent.

If you sell in several currencies, do not assume the same preset applies. The currency selector changes the symbol only; the underlying percentage and fixed component stay the same. Check the pricing for the customer's country and the settlement currency.

A refund can reverse the charge but does not always return the original processing fee. A dispute can add a separate charge, and a currency conversion may be settled at a different rate. Build a small reserve for those outcomes rather than pricing every transaction at the absolute minimum margin.

Also compare the effective rate, not just the headline percentage. Divide the fee by the amount to see what share of the payment it represents, especially on small transactions where the fixed component dominates.

Worked examples with the stored presets

The figures below come from running the calculator with its stored presets and rounding switched on. They show how the calculator behaves. They are not a quote from Stripe, whose pricing depends on your country and account.

What the examples show

Small payments carry the fixed part. On a 5.00 card payment, the stored fee is about 9 percent of the charge, roughly three times the headline percentage. The lower fixed part of the Terminal preset halves that cost for the same amount.

Caps start at a predictable point. With the stored ACH preset of 0.8 percent and a 5.00 cap, the cap takes over from a 625.00 payment upward. The invoice preset, 0.4 percent with a 2.00 cap, reaches its cap at 500.00. Below those points the percentage applies, so a capped method is not automatically cheaper for small amounts.

Rounded figures can be off by a cent. The 5.00 card example shows a 0.45 fee and a 4.56 net, which add up to 5.01. The page rounds the fee and the net separately for display. Turn the rounding switch off to see the unrounded values, about 0.445 and 4.555, before you reconcile against a statement.

Frequently Asked Questions