PayPal Fee Calculator

Calculate your exact PayPal transaction fees. Know your net profit or determine how much to charge to receive a specific amount.

PayPal Fee Calculator – Maximize Your Business Earnings

Running an online business or freelancing requires a clear understanding of your overhead costs. One of the most common expenses is transaction processing. Our PayPal Fee Calculator provides an instant, accurate breakdown of what you'll pay in fees and, more importantly, what you'll actually take home. Whether you are sending an invoice to a client or selling products on a marketplace, knowing your net profit is essential for financial health.

Why Use a PayPal Seller Fee Calculator?

PayPal's fee structure can be complex, involving percentage-based charges and fixed transaction costs that vary by region and payment type. A seller fee calculator removes the guesswork. By using our tool, you can:

  • Avoid Undercharging: Calculate exactly how much to invoice a client so that you receive your full rate after fees.
  • Compare Costs: See the difference between domestic and international transaction rates.
  • Budget Better: Predict your monthly expenses by understanding the cumulative impact of processing fees.

How PayPal Fees Are Calculated

The standard formula for a PayPal transaction fee is:

Total Fee = (Transaction Amount × Fee Percentage) + Fixed Fee

For example, in the United States, a standard domestic transaction often carries a 2.99% fee plus a $0.49 fixed fee. If you sell an item for $100, PayPal takes $2.99 (the percentage) plus $0.49 (the fixed fee), totaling $3.48. Your net payout would be $96.52. Our PayPal transaction cost calculator does this math for you in milliseconds.

Domestic vs. International PayPal Fees

International payments are more expensive due to cross-border fees and currency conversion costs. While a domestic US payment might be around 2.99%, an international payment can jump to 4.49% or higher. Our tool includes presets for these common scenarios, making it a versatile international PayPal fee calculator.

Tips to Manage and Reduce Transaction Fees

  • Request "Friends & Family": Only for personal transfers between trusted individuals, as this avoids fees but also removes purchase protection.
  • Adjust Your Pricing: Use the "To Receive" feature in our calculator to build the fee into your service price.
  • Use QR Codes: PayPal often offers lower rates for in-person QR code payments compared to online invoices.
  • Withdraw Less Frequently: While withdrawal to a bank is usually free, some instant transfer options carry additional costs.

Final Thoughts

Transparency in your business finances leads to better growth. By using the PayPal Fee Calculator on SimpliConvert, you ensure that every invoice and sale is profitable. Don't let hidden costs eat into your margins—calculate your fees before you click "Send."

PayPal Calculator – Frequently Asked Questions

For a standard domestic US transaction (2.99% + $0.49), the fee on $100 would be $3.48, leaving you with a net amount of $96.52.

Domestic fees usually range from 1.9% to 3.49% plus a fixed fee. International transactions often incur an additional 1.5% cross-border fee, typically totaling around 4.49% plus the fixed fee.

To receive a specific net amount, use the formula: (Desired Amount + Fixed Fee) / (1 - Fee Percentage). Our calculator provides this "To Receive" value automatically in the results panel.

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