PayPal Fee Calculator
Calculate domestic, international, commercial, and subscription PayPal fees and net received.
PayPal's fee structure varies by transaction type. Domestic US transactions typically cost 3.49% + $0.49; international adds currency conversion fees. Commercial transactions and subscriptions may have different rates. This calculator helps you estimate net proceeds after PayPal fees so you can price correctly and compare with other processors like Stripe or Square.
Inputs
Results
Net received
Type a target net amount to reverse-calculate the gross PayPal charge.
You should ask for
-
Fee
$3.98
Effective rate
3.98%
Transaction type
Domestic
Effective rate by transaction size
Fee vs Net breakdown
Insights
Formula
Domestic: 3.49% + $0.49 International: 4.99% + $0.49 Commercial: 2.99% + $0.49 Fee = amount * rate + fixed
Input Definitions
What does each input mean?
- Transaction amount
- The dollar value you receive per transaction. This is the gross amount before PayPal deducts fees.
- Transaction type
- Domestic: US buyer and seller. International: cross-border (adds currency conversion). Commercial: lower rate for eligible business accounts.
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When PayPal Fees Start Eating Into Your Margins
PayPal looks cheap until you add it all up — standard fees, international surcharges, currency conversion, and the occasional micropayment transaction that costs more in fees than it’s worth. This calculator is built for freelancers, online sellers, and service providers who need to know the true cost of accepting PayPal before quoting clients, setting prices, or deciding whether to pass fees on to buyers.
Use it to compare the cost of PayPal Standard vs. Zettle vs. invoicing, work backwards from a desired net payout, or run the numbers on your monthly volume to see what you’re actually giving up. A few minutes here can easily save you hundreds per month in fees you didn’t realize you were absorbing.