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PayPal Fee Calculator

Calculate PayPal processing fees and find out exactly how much you receive after fees for any transaction type and country.

account_balance_walletPayPal Fee Calculator
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Transaction Details

Transaction Amount
$
Country
Transaction Type
Cross-border Transaction
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Fee Summary

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Enter a transaction amount to see the fee breakdown
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About PayPal Fee Calculator

The PayPal Fee Calculator is a free online tool that instantly shows you the exact fee PayPal will deduct from any transaction, how much you will actually receive, and — critically — how much you need to charge a customer so that you net your target amount after PayPal takes its cut. It covers six transaction types (Goods & Services, Invoicing, Charity, Micropayments, QR Code over and under the threshold, plus a Custom Rate mode) across nine countries: United States, United Kingdom, European Union, Canada, Australia, India, Japan, Singapore, and Brazil.

Use this calculator when pricing a freelance project, setting product prices in an online shop, sending a PayPal invoice, or accepting in-person QR Code payments. The "You Should Ask For" result solves the most common frustration: sellers quote $500 but actually receive $485 after fees. Enter $500, select your transaction type and country, and the calculator tells you to invoice $515.38 instead — so the money hitting your account is exactly what you expected. Toggle the cross-border switch to add PayPal's 1.5% international surcharge when the buyer is in a different country from your PayPal account.

Every calculation runs entirely in your browser. No amounts, currencies, or country selections are ever transmitted to a server, stored in a database, or logged. This means you can safely enter real invoice figures and sensitive client amounts without any privacy risk. There are no rate limits, no account required, and no cost.

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Key Features

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6 transaction types with live rates

Goods & Services, Invoicing, Charity, Micropayment, QR Code (two thresholds), and a fully configurable Custom Rate mode — each mapped to PayPal's published percentage and flat fee for the selected country.

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"You Should Ask For" calculation

Tells you the exact gross amount to charge so that after PayPal deducts its fee, you land on your desired net. Eliminates guesswork when pricing projects or writing invoices.

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9-country fee tables

Rates for the US, UK, EU, Canada, Australia, India, Japan, Singapore, and Brazil are built in and update automatically when you switch countries. Currency symbols and formatting adjust to match each locale.

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Cross-border toggle

One click adds the 1.5% international surcharge PayPal applies when buyer and seller are in different countries, showing you the correct total cost for cross-border transactions.

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Real-time results, no submit button

Fee, net amount, effective fee rate, and the ask-for amount recalculate the moment you change any input — no form submission needed.

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Fully client-side and private

All math runs in your browser. Your transaction amounts and country are never sent to any server, making it safe to use with real invoice figures.

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How to Use

01

Enter Transaction Amount

Type the amount of the payment you expect to receive or charge your customer. The currency symbol updates automatically based on the selected country.

02

Select Your Country

Choose your country from the dropdown to apply the correct PayPal fee structure and currency. Rates vary by region — for example, US Goods & Services is 2.89% + $0.49 while Australia is 2.60% + A$0.30.

03

Choose Transaction Type

Select the payment method — Goods & Services, Invoicing, Charity, Micropayment, QR Code, or Custom Rate — to apply the correct PayPal fee percentages and flat fees.

04

Review Your Results

Instantly see the PayPal fee, net amount you receive, effective fee rate, and the exact amount you should charge to net your desired amount after fees. Toggle cross-border if the payment is international.

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Example

A US freelancer wants to net $500 on a Goods & Services payment. The calculator shows the fee, the actual payout, and the exact amount to invoice so $500 lands in their account.

Inputs
Amount:           $500.00
Country:          United States (USD)
Transaction type: Goods & Services (2.89% + $0.49)
Cross-border:     No
Calculated results
PayPal fee:       -$14.94  (2.89% × $500 + $0.49)
You receive:      $485.06
Effective rate:    2.99%
You should ask for: $515.38  (invoice this to net exactly $500)
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Common Use Cases

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    Freelancers writing client invoices

    When billing via PayPal Invoicing, enter your target earnings and get the exact invoice amount that results in that net after the 3.49% + $0.49 invoicing rate. Stop under-charging because PayPal took more than expected.

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    E-commerce sellers setting product prices

    Online sellers accepting PayPal Goods & Services need to bake fees into their prices. Enter the cost-plus-margin target and read off the price to list, per country, without building fee formulas in a spreadsheet.

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    In-person merchants evaluating QR Code savings

    PayPal QR Code rates (1.90% + $0.10 for transactions over $10 in the US) are substantially lower than standard Goods & Services rates. Use the calculator to compare the two transaction types side by side and decide whether QR Code acceptance is worth the workflow change for your average sale size.

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    International sellers pricing cross-border orders

    When a US seller accepts payment from a buyer in another country, PayPal adds 1.5% on top of the base rate. Toggle cross-border on and off to see the cost difference and decide whether to absorb it or add a surcharge to international orders — something the sibling Stripe Fee Calculator does not cover for PayPal specifically.

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    Nonprofits calculating net donation receipts

    Charitable organizations using PayPal's discounted 1.99% + $0.49 charity rate can confirm exactly how much of each donation reaches their account and how to set suggested donation tiers so the net meets their fundraising goals.

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Frequently Asked Questions

What is the standard PayPal fee for Goods & Services in the US? expand_more
For Goods & Services transactions in the United States, PayPal charges 2.89% of the transaction amount plus a flat fee of $0.49 per transaction. For example, on a $100 payment, the fee would be $3.38 ($2.89 + $0.49), and you would receive $96.62.
How does the cross-border fee work? expand_more
When a transaction involves a buyer and seller in different countries, PayPal adds an additional 1.5% surcharge on top of the standard rate. For example, a US Goods & Services transaction normally charges 2.89% + $0.49, but a cross-border transaction would charge 4.39% + $0.49. This applies to all transaction types.
What is the difference between Invoicing and Goods & Services fees? expand_more
PayPal Invoicing has a higher percentage rate than Goods & Services because it includes additional features like professional invoice templates and tracking. In the US, Invoicing charges 3.49% + $0.49 compared to Goods & Services at 2.89% + $0.49. The flat fee remains the same, but the percentage is 0.60% higher.
How do PayPal QR Code fees work? expand_more
PayPal offers reduced rates for in-person QR Code payments. For transactions over $10 (in the US), the fee is just 1.90% + $0.10 — significantly lower than standard Goods & Services rates. For smaller transactions of $10 or less, the rate is 2.40% + $0.05. These lower rates make QR Code payments cost-effective for in-person sales.
Are the fee rates the same in every country? expand_more
No, PayPal fee rates vary significantly by country. For example, Goods & Services rates range from 2.60% + A$0.30 in Australia to 4.99% + R$0.60 in Brazil. Japan charges 3.60% + ¥40, and India charges 3.00% with no flat fee. Always select your country in the calculator to see the correct rates for your region.
How does this PayPal Fee Calculator differ from the Stripe Fee Calculator? expand_more
This calculator is built specifically around PayPal's fee structure: its six named transaction types (Goods & Services, Invoicing, Charity, Micropayment, QR Code, Custom), PayPal's published country-specific rates across nine countries, and PayPal's 1.5% cross-border surcharge. The Stripe Fee Calculator covers Stripe's separate fee schedule, which uses different base rates and a distinct international fee model. If you accept both processors, use each tool independently to compare net payouts.
How is the "You Should Ask For" amount calculated? expand_more
The formula is: ask-for amount = (desired net + flat fee) / (1 - percent rate). For example, to net $500 on a US Goods & Services transaction (2.89% + $0.49), the ask-for amount is ($500 + $0.49) / (1 - 0.0289) = $515.38. If you invoice $515.38, PayPal deducts $15.38 (2.89% × $515.38 + $0.49) and deposits exactly $500.00.
Does the calculator work for PayPal friends and family payments? expand_more
No. PayPal Friends and Family (personal) payments within the same country have no fee for the recipient, so there is nothing to calculate. This tool covers commercial transaction types where PayPal charges the seller: Goods & Services, Invoicing, Charity, Micropayments, and QR Code. If you receive a cross-border Friends and Family payment, fees may apply to the sender but not the recipient — check PayPal's current policy directly for that scenario.
Is my financial data safe when I use this tool? expand_more
Yes. All calculations happen entirely inside your browser using JavaScript. No amounts, currencies, or country selections are transmitted to any server. You can safely enter real invoice figures without any privacy concern.