Stripe Fee Calculator

This Stripe fee calculator helps you see how much Stripe keeps in fees and how much you actually receive in your bank account on each USD payment. It also shows the minimum amount you need to charge if you want to walk away with a specific net payout after Stripe fees. It is designed for freelancers, agencies, e-commerce stores, SaaS products, and anyone billing clients through Stripe.

1. Enter either the invoice amount, the target net, or both

Start by adding the invoice amount in USD in the “Customer pays” box. This is the total your customer sees on the checkout page or invoice. The calculator will estimate the Stripe fees and show the net payout in USD after those fees. If you already know how much you need to receive after processing costs, fill in the “You want to receive” box instead (or as well) and the tool will calculate the minimum amount to charge.

2. Keep the default Stripe rate or plug in your own deal

The fee section uses a simple percentage fee plus fixed fee model. By default it is set up as 2.9% and $0.30 per successful card payment. If your Stripe account uses a different rate (for example, a negotiated discount, higher fees for international cards, or extra platform markups), just overwrite the percentage and fixed fee fields and run the calculation again.

3. Read the breakdown to check margins quickly

The results box highlights a headline number — either your net payout on the invoice you entered or the minimum amount to charge to reach your target net. Under that, you see a line-by-line breakdown: customer pays, total Stripe fees, net to you, and the effective fee rate as a percentage of the payment. This makes it easy to see whether a quote is still profitable once processing costs are included.

4. Use the results for pricing, quotes, and quick what-ifs

You can use this Stripe fee calculator when you set new prices, send proposals, or compare processors. Try a few “what if” scenarios: raise or lower your price, change the fee percentage, or adjust your target net to see how much headroom you have. The Copy summary button gives you a clean, text-only breakdown you can paste into email, a spreadsheet, or internal notes so everyone on your team is working from the same numbers.

Remember that this tool focuses on payment processing fees only. It does not consider chargebacks, refunds, subscription add-ons, or taxes. Always verify your final costs in the Stripe Dashboard and talk to your accountant when making financial decisions.

This calculator models Stripe as a simple combination of a percentage fee and a fixed fee per payment. Let G be the invoice amount in USD the customer pays, r be the percentage fee as a decimal (for example 0.029 for 2.9%), and f be the fixed fee in USD (for example 0.30).

The total Stripe fee on a single payment is:

Stripe fees = G × r + f

The amount you receive after Stripe processing is:

Net payout = G − (G × r + f)

When you enter a target net amount instead, the calculator rearranges the equation to solve for the invoice total. If N is the net you want to receive in USD, the minimum amount you must charge so that N is left after fees is:

Required charge = (N + f) ÷ (1 − r)

The effective fee rate shown in the results is simply Stripe fees ÷ invoice amount expressed as a percentage. That helps you compare the true cost of different processors or pricing plans on an apples-to-apples basis.

• Stripe Pricing – Official, up-to-date information on Stripe’s fees for online card payments, ACH, and other payment methods.
• Stripe fees: a complete guide to pricing & costs – Independent overview explaining how different Stripe charges stack up on a typical transaction.