Can I price an invoice so I keep a fixed net?

Yes—choose payment amount to keep a net payout and enter the net you want after fees.

Does this include currency conversion?

No. Increase the percent fee if your receipt shows a conversion markup, or add that cost outside the form.

Is this official PayPal guidance?

No. It is an educational calculator. Confirm fees in your PayPal account documentation.

Free Calculators Hub

PayPal Fee Calculator

Combine a percentage fee and a fixed fee—or reverse-calculate the payment so you keep a target net.

Seller fee worksheet

Gross-up mode

Effective fee %

Educational PayPal-style fee worksheet: percent of payment plus fixed fee, with optional gross-up to a target net. Rates are user-entered assumptions.

Limitation: Educational fee arithmetic only—not a PayPal quote or merchant advice.

Jump to calculator · Sources & review

Free Calculators HubPayPal Fee Calculator

CurrencySolve forFees on a known payment, or the payment needed to keep a target net.AmountPayment amount, or desired net when grossing up.Percent feeIllustrative US commercial default 2.99%—replace with your PayPal fee page.Fixed fee per paymentIllustrative default $0.49—replace with your schedule.

How to Estimate PayPal Fees

Use the percent and fixed amounts from the PayPal fee schedule that applies to your account type.

Choose a display currency.

Account type matters

Commercial, charity, and micropayment rates differ. Always overwrite the illustrative defaults.

What the Fee Total Means

Total fees are percent of the modeled payment plus the fixed fee. Net payout is payment minus fees. Effective fee percent is total fees ÷ payment.

PayPal Fee Examples

$100 payment at 2.99% + $0.49

Scenario inputs

amount:100

percentFee:2.99

fixedFee:0.49

mode:fees-from-charge

Worksheet result

$3.48 fees; $96.52 net

2.99 + 0.49 = 3.48; 100 − 3.48 = 96.52.

Invoice to keep $50 net

Scenario inputs

amount:50

percentFee:2.99

fixedFee:0.49

mode:charge-for-net

Worksheet result

$52.05 payment; $2.05 fees; $50.00 net

payment = (50 + 0.49) / (1 − 0.0299) ≈ 52.05 after cent rounding.

Match the product

Checkout, invoicing, and QR codes can list different fixed fees—enter the row that matches your flow.

Frequently Asked Questions

Often not. This worksheet models commercial percent-plus-fixed fees. Enter 0% and $0 if your transfer is free under your account rules.

Still have questions about this calculation?

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PayPal Fee Formulas

Same processor arithmetic as other percent-plus-fixed checkout fees.

Formula

paymentAmount × percentFee / 100

Percent fee

paymentAmount × percentFee / 100

Total fees

percentFeeAmount + fixedFee

Net payout

paymentAmount − totalFees

Gross-up payment

(desiredNet + fixedFee) / (1 − percentFee/100)

Scientific Background

Assumptions: single payment, user-entered rates. Limitations: no live PayPal API, no FX spreads, no buyer protection outcomes. PayPal business fee pages are contextual only.

Sources & review

PayPal Fee Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.

Last reviewed

August 2, 2026

Reference
paypal.com
https://www.paypal.com/us/business/paypal-business-fees
Consumer financial tools
Consumer Financial Protection Bureau (CFPB)
https://www.consumerfinance.gov/ask-cfpb/what-is-a-convenience-fee-en-2129/
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See our methodology and corrections policy.