How to Calculate the Perfect Invoice Amount to Receive a Specific Net Payout
Reverse fee calculation tells you exactly what to charge so you always receive the dollar amount you need — not a penny less.
The Reverse Calculation Formula
Example: To net $1,000 via Stripe → ($1,000 + $0.30) ÷ (1 − 0.029) = $1,030.19
Most invoice calculators solve a simple problem: "I'm charging $1,000 — how much do I keep?" But reverse fee calculation solves the more valuable problem: "I need to keep $1,000 — how much should I charge?" This is what separates freelancers who are in control of their finances from those who are constantly surprised by their deposit amounts.
Why the Math Isn't as Simple as "Add 3%"
Most freelancers assume they can just add their processing rate to their desired net payout. Let's test that assumption:
❌ The Wrong Method (adding 3% directly):
✅ The Correct Method (reverse formula):
Step-by-Step: How to Use It
Open the Invoice Fee Calculator and select your payment processor.
Switch to 'Reverse Calculation' mode by entering your desired net amount.
The calculator instantly shows the gross invoice amount to charge your client.
Copy that number directly onto your invoice — no rounding required.
To net $500
Invoice $515.22
via Stripe
To net $2,500
Invoice $2,575.85
via Stripe
To net $10,000
Invoice $10,303.40
via Stripe
Enter your target net payout and get the exact invoice amount to charge in seconds.
Open Calculator