Cash App Instant Deposit Fee Calculator

This Cash App instant deposit fee calculator shows how much you pay to rush a cash-out and how much actually lands in your bank. It also compares instant and standard deposit so you can see exactly what “getting it now” costs in USD. It’s handy for side hustles, small businesses, and anyone who uses Cash App as a paycheck buffer.

1. Enter either the cash-out amount, the target net, or both

First, add the amount you want to cash out in USD in the “Amount to cash out” box. That’s the balance you send from Cash App to your bank. The calculator estimates the instant deposit fee and your net to bank with instant versus a free standard deposit. If you already know how much you want to see in your bank after the fee, use “You want to receive in bank” and the tool will find the minimum cash-out needed with instant deposit.

2. Use a typical instant fee or plug in your own numbers

The fee settings use a percentage fee plus a minimum fee. Many accounts see an instant fee in the 0.5%–1.75% range with a minimum of about $0.25, so the defaults use 1.75% and $0.25 as a simple example. If your Cash App screen shows a different percentage or minimum fee, overwrite both fields and run the calculation again so the results match what you see in-app.

3. Read the breakdown to see the cost of speed

In the results card you’ll see a headline number — either your net to bank with instant for a given cash-out or the cash-out needed to receive a target net. Under that, the breakdown lists: amount to cash out, instant deposit fees, net to bank (instant), net to bank (standard), and the extra cost vs standard. This makes it obvious how much you’re paying to avoid waiting the usual 1–3 business days.

4. Use it for planning, not just one-off transfers

Use this instant deposit fee calculator before you hit “Instant” every time out of habit. Run a few “what if” scenarios: larger or smaller cash-outs, different fee percentages, or a higher target net. Over time you’ll see when it’s worth paying for speed and when a standard, fee-free deposit is perfectly fine. The Copy summary button lets you paste a clean breakdown into notes, budgeting sheets, or messages.

This tool focuses on instant deposit fees only. It does not include card fees, ATM withdrawals, or taxes. Always double-check the final instant fee shown in your Cash App before confirming a transfer and use your bank statements for official records.

This calculator models Cash App instant deposits as a percentage fee with a minimum fee per transfer. Let G be the cash-out amount in USD, r be the instant fee as a decimal (for example 0.0175 for 1.75%), and m be the minimum instant fee in USD (for example 0.25).

For an instant deposit, the fee is:

Instant fee = max(G × r, m)

The net amount that reaches your bank with instant deposit is:

Net (instant) = G − max(G × r, m)

For a standard deposit, this calculator assumes there is no fee, so:

Net (standard) = G

When you enter a target net instead, the calculator solves for the cash-out amount G that leaves your target after instant fees. It checks whether the fee will be driven by the percentage or the minimum, then applies either:

G = Target ÷ (1 − r)  when the percentage fee is larger than the minimum, or
G = Target + m  when the minimum fee is larger.

The effective fee rate shown in the results is simply Instant fee ÷ cash-out amount expressed as a percentage. That lets you compare the cost of instant deposits at different amounts and decide when standard speed is the better deal.

• Cash App: Withdrawal transfer speed options – Official help article explaining standard vs instant deposits and timing.
• Cash App fee schedule and terms – Includes current ranges for instant transfer fees and other charges.