Free Stripe & PayPal Fee Calculator: Pass Fees to Clients

When a client pays your invoice via credit card, you lose a percentage to the payment gateway. If you need a strict $1,000 for a project, billing $1,000 will leave you short.

The MetricSuite Payment Gateway Fee Calculator solves this. Use the Reverse mode to figure out exactly how much to pass to your client so you receive your target take-home amount. Use the Standard mode to calculate your exact deductions before sending an invoice. Built for freelancers, this tool supports custom rates for global Stripe, PayPal, and Square transactions.

Fees calculated. Time to bill. Now that you know the exact gross amount to charge, generate a secure, private PDF using our Free Invoice Generator. No sign-up required.

How to Use the Payment Gateway Fee Calculator

Whether you need to pass credit card fees to a client or just want to forecast your exact take-home pay, this tool gives you the exact math in real-time.

Step 1: Choose Your Goal

• Reverse (How much to bill clients): Use this if you need to receive a specific flat amount (e.g., exactly $1,000) in your bank account. The calculator will reverse-engineer the fees and tell you the exact gross amount you must put on your invoice to cover the gateway deductions.
• Standard (How much I will receive): Use this if you have already agreed on a gross price with your client (e.g., $1,000 total) and need to calculate exactly how much money Stripe or PayPal will take before the funds hit your account.

Step 2: Select Your Payment Gateway

• Select Stripe or PayPal from the dropdown to instantly load the standard North American invoicing rates.
• Need international rates? If you are dealing with cross-border fees, currency conversions, or a different platform like Square or Wise, select Custom Rates and manually enter the percentage and fixed fee your gateway charges.

Step 3: Enter Your Amount Type your target dollar amount into the box. The tool automatically updates as you type—no need to hit calculate.

Step 4: Copy Your Final Numbers Look at the green Results Panel.

• Amount to Bill Client: This is the exact number you should copy and paste onto your final invoice.
• Exact Amount You Keep: This is the true net revenue that will land in your bank account.