Stripe Fee Calculator
See what Stripe takes and what you actually receive
What the Stripe Fee Calculator Does
When a customer pays you through Stripe, the amount that lands in your account is less than what they paid. Stripe takes a processing fee, typically made up of a percentage of the sale plus a small fixed amount. The Stripe Fee Calculator shows you the effect of that fee: enter an amount and your fee rates, and it works out the fee and your net payout. You can also work backwards to find what you would need to charge to receive a specific amount after fees.
It is useful for online sellers, freelancers, course creators, SaaS founders, nonprofits taking donations and anyone setting prices who wants the numbers to add up.
How Stripe Fees Are Structured
Stripe publishes its rates on its pricing page, and they differ by country, payment method and account type. As a widely quoted example, standard online card payments for US accounts are charged at 2.9 percent plus 30 cents per successful transaction. International cards, currency conversion, disputes and extras such as subscriptions billing or fraud tools can add further charges. Because rates change and vary, always check the current figures for your own account, and enter them into the calculator rather than assuming the example rate applies to you.
How to Use the Stripe Fee Calculator
- Enter the sale amount, or the amount you want to receive, depending on the direction of the calculation.
- Enter your percentage rate and fixed fee as shown in your Stripe account or on the pricing page for your country.
- Run the calculation.
- Read the fee and net amount, or the amount you must charge to cover the fee.
- Adjust your prices, or add the result to your costing spreadsheet.
Worked Examples at 2.9% + $0.30
- $100 sale: fee is $2.90 plus $0.30, or $3.20. You receive $96.80.
- $10 sale: fee is $0.29 plus $0.30, or $0.59, which is 5.9 percent of the sale. You receive $9.41.
- $500 sale: fee is $14.50 plus $0.30, or $14.80, about 2.96 percent. You receive $485.20.
- Charging enough to receive $100: add the fixed fee, then divide by one minus the percentage: (100 + 0.30) / (1 − 0.029), which is about $103.30.
Notice how the effective rate climbs as the sale gets smaller. The fixed part of the fee matters little on a large order and a lot on a small one. That is why micro-payments and low-priced products are the most sensitive to payment fees.
Pricing Strategy: Absorb Fees or Pass Them On?
There are three common approaches. You can absorb the fee and treat it as a cost of doing business, which keeps prices simple and customers happy. You can build it into your prices by working out the cost across your typical order value. Or you can add a surcharge at checkout, though surcharging card payments is restricted or prohibited in some places and by some card rules, so check the regulations and your agreement before doing so. Whichever route you take, run the numbers on your cheapest and most expensive products to see the impact on margin. If you sell at a thin margin, the Margin Calculator can show the effect on profit per sale.
Costs That a Simple Fee Calculation May Miss
- Disputes and chargebacks. Stripe's pricing lists a separate fee when a customer disputes a payment, on top of the lost sale amount. Stripe's dispute documentation explains the process.
- International and currency fees. Cards issued abroad and currency conversion usually carry extra charges.
- Refunds. Check how your account handles fees when you refund a payment.
- Add-on products. Billing, tax, invoicing and fraud tools may be priced separately.
- Taxes. If you charge sales tax or VAT, decide whether fees are calculated on the tax-inclusive total.
How It Compares With Other Methods
You can set up a fee formula in a spreadsheet, and for a large catalogue that may be the best long-term solution. For one-off pricing decisions, a dedicated calculator is quicker and avoids formula errors, especially in the reverse calculation that works out what to charge. The Stripe Fee Calculator on WebTOOLkt is free and lets you enter your own rates, so it stays useful when Stripe changes its pricing or you negotiate a custom plan. It is also grouped with other business calculators on the site. WebTOOLkt is an independent tool and is not affiliated with Stripe.
Related WebTOOLkt Tools
- Paypal Fee Calculator to compare PayPal's fees with Stripe's.
- Margin Calculator to see how fees change your profit margin.
- Discount Calculator to model sale prices before fees.
- Sales Tax Calculator to add tax to your prices.
- GST Calculator to work with GST-inclusive and exclusive amounts.
- Percentage Calculator for quick percentage checks.
Useful External Resources
Frequently Asked Questions
Are the rates in the calculator always correct?
Use the rates from your own Stripe account. Fees vary by country, card type and plan, and they can change, so confirm them on Stripe's pricing page.
Why does a small sale lose so much to fees?
Because the fixed part of the fee is the same whatever the amount, so it takes a larger share of a small payment.
How do I find the price that covers the fee?
Add the fixed fee to your target amount, then divide by one minus the percentage rate, written as a decimal.
