PayPal Fee Calculator

Calculate PayPal fees for checkout, goods and services, invoices and international payments — or how much to ask for to receive a set amount.

FreeInstant resultsNo signupPrivate

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What is the PayPal Fee Calculator?

A PayPal fee calculator works out what PayPal deducts from a payment and what you receive. In the US, PayPal Checkout and invoices cost 3.49% + 49¢, goods-and-services payments to a personal account cost 2.99% + 49¢, and international payments add 1.5%. Friends and family payments funded by a bank account or PayPal balance are free.

Fee = amount × rate + fixed fee, so $100 through PayPal Checkout costs $3.98 and you receive $96.02. To receive exactly $100, ask for (100 + 0.49) ÷ (1 − 0.0349) = $104.12.

How to use the PayPal Fee Calculator

  1. Under Calculate, pick What I receive or What to ask for to receive an amount.
  2. Enter the Amount.
  3. Choose the Transaction type, or pick Custom and enter your own Custom % fee and Custom fixed fee (for UK, Canadian or Australian rates).
  4. Switch on International payment (+1.5%) for cross-border payments, then read the PayPal fee and what you receive.

Why use AnyShift's PayPal Fee Calculator

Instant resultsNumbers update as you type — no submit button, no page reloads.
Formula shownEvery result shows how it was calculated so you can check the maths.
Editable assumptionsRates, fees and defaults are pre-filled but always adjustable.
Private by designCalculations run in your browser. Nothing is stored or sent.

Popular use cases

  • Invoicing a client and adding PayPal fees to the bill
  • Pricing items sold through PayPal goods and services
  • Checking the cost of an international payment
  • Comparing PayPal with Stripe on the same amount

US PayPal fees by transaction type

Transaction typeFee
PayPal Checkout and invoicing3.49% + 49¢
Goods and services to a personal account2.99% + 49¢
Micropayments (approved accounts)4.99% + 9¢
Friends and family (bank or balance)Free
International commercial payments+1.5%

PayPal sets fees by country and updates them periodically. UK, Canadian and Australian sellers should copy the rate from their local PayPal fees page into the Custom fields.

Frequently asked questions

How much is the PayPal fee on $100?
With PayPal Checkout or an invoice (3.49% + 49¢) the fee is $3.98, so you receive $96.02. A goods-and-services payment to a personal account (2.99% + 49¢) costs $3.48.
How do I avoid PayPal fees?
Friends and family payments funded by a bank account or PayPal balance are free within the US, but they are only for personal payments and have no purchase protection, so don’t use them for sales.
How much should I ask for to cover PayPal fees?
Use the gross-up mode: ask = (amount you want + fixed fee) ÷ (1 − rate). To net $100 through PayPal Checkout, ask for $104.12; simply adding 3.49% and 49¢ ($103.98) leaves you about $0.14 short.
What is PayPal’s international fee?
For US accounts, receiving a commercial payment from another country adds 1.5% to the domestic rate, so PayPal Checkout becomes 4.99% + 49¢. Currency conversion is charged separately through the exchange rate.
Is PayPal more expensive than Stripe?
For a standard US online sale, usually yes: PayPal Checkout is 3.49% + 49¢ against Stripe’s 2.9% + 30¢, or $3.98 vs $3.20 on $100. Compare your own amounts with the Stripe fee calculator.

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Last reviewed: Built for: United States, United Kingdom, Canada, Australia Part of Ecommerce & Sellers

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