PayPal Fee Calculator
Calculate deductions and final amounts for international payments
If you receive $100
$95.30
You lose $4.70 in fees
To receive $100
$104.92
You should ask for this amount
How to use the PayPal Fee Calculator
PayPal charges a percentage of the transaction plus a fixed flat fee for every payment processed. This tool helps you solve two problems: First, it shows you the **"Take Home"** amount after PayPal takes its cut. Second, it calculates the **"Invoiced Amount"**—the exact total you should request from a client if you want to receive a specific round figure in your wallet. The standard international fee is often **4.4% + $0.30**, but this can vary based on your country and account type. Simply adjust the rate and fixed fee fields to match your specific PayPal terms.
- International vs. Domestic: International fees are usually higher than domestic (within the same country) transfers.
- Merchant Fees: Remember that these fees apply to "Goods and Services" payments, not "Friends and Family" (where available).
- Currency Conversion: Note that PayPal also applies a hidden spread on currency conversion which is not included in this basic fee calculation.
Why does PayPal charge a fee? +
PayPal charges for the security, buyer/seller protection, and the global infrastructure they provide to facilitate instant cross-border payments.
What is the standard PayPal fee for freelancers? +
For most international transactions, the standard fee is 4.4% of the total amount plus a fixed fee (usually $0.30 USD or equivalent in other currencies).
How can I avoid PayPal fees? +
You cannot avoid merchant fees on business transactions. However, some freelancers ask clients to "cover the fee" by adding the calculated fee amount to the total invoice.
Does this tool work for all currencies? +
Yes. While the labels use "$", the math remains the same for Euros, Pounds, or any other currency as long as you input the correct fee percentage and fixed amount for that currency.
What is a fixed fee? +
The fixed fee is a flat charge that PayPal takes regardless of the transaction size. Even if you receive only $1, they will still take the $0.30 fixed fee plus the percentage.
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