Know Exactly What You'll Keep
After Payment Fees
Instantly calculate Stripe, PayPal, and Square fees — or reverse-calculate the perfect invoice amount to hit your exact net payout.
Invoice Details
Enter your invoice information below
Switch to "Custom" to edit fee fields manually
Fee Summary
Updates in real time
Total Fee
$29.30
2.9% + $0.30 flat fee
Net Amount Received
$970.70
What you keep after fees
Amount to Invoice
$999.28
To receive $970.00 net
Breakdown
Effective Fee Rate
2.93%
You Keep
97.07%
How It Works
Enter your invoice amount and select a payment processor. The calculator applies the processor's fee structure to show exactly what you'll receive — or what to charge to hit your target net amount.
Why This Matters
Payment processing fees quietly eat into your revenue. Knowing the real cost per transaction helps you price accurately, protect your margins, and avoid surprises on payday.
Who It's For
Freelancers, consultants, agencies, and small business owners who send invoices and want a clear picture of what they'll actually take home after processor fees.
Learn More About Payment Fees
Explore our guides to understand and reduce your processing costs
Lower Your Fees
Practical strategies to reduce what you pay in processing fees.
Read guideFee Impact Analysis
See how fees affect invoices of different sizes.
View analysisFAQ
Answers to common questions about payment processing.
Browse FAQInteractive Checklists
Step-by-step audits to reduce fees and protect margins.
Start checkingCalculators by Industry
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Freelancers
Small invoices, platform fees, pricing buffers
Consultants
High-ticket retainers, ACH savings
Creative Agencies
Deposits, milestones, multi-client billing
E-commerce
High volume, flat-fee impact, downgrades
Photographers
Deposits, session fees, cancellation risk
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