Choose the right calculation for your situation
Fees & amount received
See what remains from a customer's payment.
F = G × p + f; N = G − F
Account country, payment product, buyer country and payment currency select the fee. Available verified rate presets depend on the selected combination; you can enter your own agreed rate where needed. A different interface language never selects another country's fee table.
Charge for a target net
Find the smallest charge that meets your target.
G ≈ (N + f) ÷ (1 − p)
The continuous formula is only a starting point. We test rounded fees to find the smallest payable unit whose net meets your target. The quoted amount is a planning figure, not a recommendation to impose a surcharge.
Send an invoice
Choose how the customer pays the invoice.
F = G × p + f; F ≤ cap (ACH)
An invoice has no single universal rate. Select the method your customer actually uses to pay it.
Monthly or bulk payments
Equal orders or a CSV; fixed fees apply per payment.
F = Σ Fᵢ; N = Σ Gᵢ − Σ Fᵢ
Each payment has its own fixed fee and rounding. Ten payments of 10 can cost more than one payment of 100. CSV rows can repeat an amount with a quantity; currencies must match and invalid rows remain visible.
Compare payment methods
Compare eligible products for the same payment.
F(A) = G × pA + fA; F(B) = G × pB + fB
Compare only products your account can use. Approval, subscriptions and optional services may add costs; this table compares transaction fees.
Convert & withdraw
Separate collection fees, FX and withdrawal costs.
N = G − F; S = N × FX; P = S − W
Enter the actual quote as 1 payment currency = this many settlement currency units. A reference FX rate is not PayPal's quote. If the quote already includes a spread, do not add that spread again. Withdrawal fees are separate.
Withdraw a balance
Standard or instant, business or personal account.
F = min(Fmax, max(Fmin, A × r)); P = A − F
This is a balance withdrawal, with no currency conversion. Account eligibility and daily or weekly limits may also apply.
Full or partial refund
See retained fees and your balance after a refund.
B = G − F − R + C
For standard US commercial refunds, the original processing fee is not returned. Enter a fee credit only if your actual agreement or statement confirms it.
Budget for disputes
Model disputed payments, lost cases and fees.
D = n × d; L = D × l × G
This is a planning estimate, not a prediction. Fees apply to the assumed charged disputes; principal is lost only on the assumed lost cases. Product costs, returned inventory and protection reimbursements are not included.
Send to friends & family
Personal transfers: bank/balance versus card funding.
T = A + F + C
Sender fees are added to the amount sent. Friends-and-family payments are for personal transfers, not payments for goods or services.
Pay multiple recipients
Estimate sender fees per payout, with caps.
T = n × (A + min(Fmax, F))
Payouts charges the sender per payment. Choose web/upload or API and the recipient country. Caps apply per recipient; this is separate from the merchant fee charged when receiving a sale.
How to use this calculator
Choose the mode and currency, then enter the labeled inputs. Results update as you type. Load the illustrative example to check the formula; Reset clears the draft.
Formula & assumptions
Total fees = Amount received × r + f
Estimated net received = Amount received − Total fees
Amounts use the currency’s smallest unit. Target-margin prices round upward; discount results round only after all discounts. Zero denominators produce no ratio.
Worked example
Example · illustrative values
100 USD × 3% + 0.30 USD = 3.30 USD; Estimated net received: 96.70 USD. Target net amount: 100 USD → Required charge: 103.40 USD.
What the result includes
Choose custom rates and enter your agreement’s percentage and fixed charges. A missing preset is not a zero fee. Reference regions are labeled and do not establish account eligibility.
Common questions
How are PayPal transaction fees calculated?
A common fee structure is a percentage of the payment plus a fixed amount. The applicable rate depends on the account's registered country, payment product, currency and the other party's country. Some products also have minimums, caps or amount tiers, so select the matching scenario and payment method.
How much does PayPal charge on a $100 payment?
For a US domestic PayPal Checkout payment in USD, the listed 3.49% + $0.49 rate gives a $3.98 fee and $96.02 received, before any conversion or withdrawal. Other payment products and countries use different rates; $3.98 is not a universal fee for every $100 payment.
How much should I charge to receive a specific amount after fees?
Choose the target-received scenario and enter the amount you want to keep. For a simple percentage-plus-fixed fee, the starting formula is (target + fixed fee) ÷ (1 − rate). The calculator also checks currency rounding and the applicable limits; merely adding the fee percentage to your target can leave you short.
Which countries should I select for my account and the other party?
Use the country or region where your PayPal account is registered. For receiving a sale, the other country is the payer's PayPal account country; for sending personal payments or Payouts, it is the recipient's. These are account locations, not the shipping address or where someone is travelling.
Are fees the same for Personal and Business accounts?
Account type alone does not determine the fee. A commercial receiving rate may apply to both, while available products and withdrawal fees can differ. Select your account type to see its supported payment methods and rates, then match the transaction you are actually making.
Does the fee estimate include PayPal's currency conversion?
The receiving-fee result does not automatically include a currency conversion. For an estimate after conversion and withdrawal, use the settlement scenario and enter the exchange quote and withdrawal charges that apply to you. Changing the calculator's currency changes the monetary unit; it does not convert the entered amount.
Are Friends and Family payments always free?
Fees can depend on country, funding method and whether the transfer is international or involves conversion. Use the personal-transfer scenario for eligible personal payments. Payments for goods or services belong under commercial transactions; Friends and Family is not an alternative way to price a sale.
Does PayPal return the transaction fee when I issue a refund?
Under the US standard commercial and invoicing refund terms, issuing a full or partial refund has no separate refund fee, but the original receiving fee is retained. Check your market and agreement. In the refund scenario, enter a fee credit only when your statement or terms confirm that money is returned.