PayPal Fee Calculator.
PayPal charges sellers a percentage of each payment plus a fixed fee, with extra percentages for international payments and currency conversion. Enter the rate from your PayPal fee page and an amount to see the fee and what you receive, or work out what to invoice so an exact amount reaches you.
PayPal rates differ by country, payment type and currency, and PayPal changes them from time to time, so this calculator does not prefill a rate. Find yours on PayPal's merchant fees page: United States, United Kingdom, or the fees link in the footer of your country's PayPal site.
You enter the rates; the calculator does the arithmetic. Runs in your browser, nothing is sent to a server. Not affiliated with PayPal.
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Start freePayPal Fee Calculator is a free online tool from Neweb (neweb.ai) for small businesses, with no sign-up. PayPal charges sellers a percentage of each payment plus a fixed fee, with extra percentages for international payments and currency conversion. Enter the rate from your PayPal fee page and an amount to see the fee and what you receive, or work out what to invoice so an exact amount reaches you.
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| Made by | Neweb, the AI website builder and online presence manager (free plan; paid plans from $9/month billed yearly) |
Facts checked October 2026.
What you'll get.
A real example of what this tool produces. Run it above with your own inputs.
When a customer pays you through PayPal for goods or services, PayPal keeps a fee and passes on the rest. The fee is a percentage of the payment plus a fixed amount that depends on the currency. Payments from another country usually carry an extra percentage, and receiving in a different currency adds a conversion spread.
This calculator handles that structure in both directions. Enter the rate from PayPal's fee page for your country, and it shows the fee and the amount you receive. Switch to reverse mode and it tells you what to invoice so that, after the fee, the exact amount you want arrives.
Why the rate is not prefilled: we only publish fee figures we have checked against the provider's own page on the day. PayPal's fee pages could not be loaded automatically in November 2026, so instead of showing a figure that might be out of date, the calculator asks for yours. It takes a minute to look up and it means the result matches your account.
The formula
Fee = amount × (rate % + international % + conversion %) + fixed fee. You receive = amount − fee.
To receive an exact amount: amount to charge = (target + fixed fee) ÷ (1 − total rate %). Adding the fee on top of your price is not enough, because PayPal also takes its percentage of the extra you add; the division accounts for that.
How to use the paypal fee calculator
Open PayPal's merchant fees page for your country and find the rate for how you get paid (checkout, invoicing, payment links and so on).
Choose what I receive or what to charge, pick your currency and enter the amount.
Type the percentage rate and the fixed fee for your currency.
If the buyer is in another country, add the international surcharge. If PayPal converts the currency, add the conversion percentage.
Read the fee, the amount you receive and the effective cost as a percentage of the payment.
Tips for better results
- The fixed fee hurts most on small payments. On a $5 sale a $0.30 fixed fee alone is 6 percent, so consider minimum order values.
- Rates can differ between payment types on the same account, for example checkout buttons versus invoices. Use the row that matches how this customer will pay.
- Before adding a surcharge to cover fees, check PayPal's user agreement and your local consumer law; surcharging is restricted in some places.
- Quote and invoice in your own currency where you can, so the conversion cost is not yours.
- Raise the bill with the free invoice generator and state your accepted payment methods on it.
Example
A real-world walkthrough
A freelance designer looks up her PayPal fee page and, for illustration, suppose it shows 3 percent plus a $0.30 fixed fee for the way she gets paid. A client pays a $100 invoice. The calculator shows a fee of $3.30 and $96.70 received, an effective cost of 3.3 percent.
She wants a clear $100, so she switches to reverse mode: the amount to charge is $103.40, the fee is $3.40 and exactly $100.00 arrives. For a $500 payment from an overseas client with a 1.5 percent international surcharge, the applied rate is 4.5 percent plus $0.30: the fee is $22.80 and she receives $477.20. These rates are examples for the arithmetic only; use the figures on your own PayPal fee page.
Frequently asked questions
How are PayPal fees calculated?
For commercial payments PayPal charges a percentage of the amount plus a fixed fee set by the currency received. Extra percentages can apply when the payer is in another country and when PayPal converts currency. The fee is taken from the payment before it reaches your balance. Enter those figures and the calculator adds the percentages together, applies them to the amount and adds the fixed fee.
What is PayPal's current fee rate?
It depends on your country, the payment type (checkout, invoicing, card payments, QR codes and others) and the currency, and PayPal revises its rates periodically. Because we could not verify the current figures against PayPal's own fee page, this page does not quote one. Open the merchant fees page linked under the calculator, or the fees link in the footer of PayPal's site for your country, and enter the rate shown there.
How much should I charge so I receive the full amount?
Add the fixed fee to the amount you want, then divide by one minus the percentage rate. With an illustrative 3 percent plus $0.30, receiving $100 means charging ($100 + $0.30) ÷ 0.97 = $103.40. Reverse mode in the calculator does this and confirms the amount received.
Why is adding the fee on top of my price not enough?
Because the percentage applies to the whole payment, including the extra you added. If you add $3.30 to a $100 invoice at 3 percent plus $0.30, PayPal's fee on $103.30 is $3.40, and you receive $99.90. Dividing by one minus the rate, as the reverse mode does, closes that gap.
Does PayPal refund the fee if I refund a customer?
Fee treatment on refunds is set out in PayPal's user agreement and has changed over the years. Check the current agreement for your country before assuming the fee comes back; it is safest to budget for losing the original fee when you issue a refund.
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