Enter your payment amount and select a PayPal fee type to see exactly how much PayPal will deduct and what you'll actually receive. The PayPal Fee Calculator also shows what to charge your client if you want to receive a specific net amount after fees.
You Will Receive
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PayPal Fee
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You Should Ask For (to receive full amount)
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Effective Fee Rate
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A PayPal fee calculator helps you quickly figure out how much PayPal will deduct from a payment as a processing fee. By entering your transaction amount and selecting the applicable fee structure, you can see the exact fee, what you'll receive, and what amount to request if you want to net a specific sum.
PayPal charges a percentage plus a fixed fee on most transactions, which can eat into your earnings — especially for freelancers and small businesses. A calculator helps you price your services correctly so you're not left short after fees are deducted.
The most common domestic rate is 3.49% + $0.49 for invoicing, PayPal Checkout, and Venmo transactions. Other rates apply for credit/debit card payments (2.99% + $0.49), goods and services (2.89% + $0.49), charity (1.99% + $0.49), and micropayments (4.99% + $0.09).
To find what you should charge so that you receive your desired amount after fees, the formula is: Ask For = (Desired Amount + Fixed Fee) / (1 - Percentage Rate). For example, to receive $100 at 3.49% + $0.49, you'd need to ask for approximately $104.13.
At the standard rate of 3.49% + $0.49, the fee on a $100 payment is $3.98, meaning you'd receive $96.02. If you want to receive exactly $100, you should ask for approximately $104.13.
PayPal charges 2.89% + $0.49 for goods and services transactions. This rate applies when buyers and sellers use PayPal's purchase protection-covered payment method for physical or digital products.
Sending money to friends and family using your PayPal balance or a linked bank account within the US is typically free. However, if you fund the payment with a credit or debit card, PayPal charges a 3.49% fee with no fixed component.
Yes. International transactions often carry higher percentage fees plus a fixed fee that varies by currency. PayPal also adds a currency conversion markup (typically 3–4% above the base exchange rate) when converting between currencies, which can significantly increase the total cost.