See the fee on a PayPal payment and what you keep, or gross up to find the amount to charge instead.
Your files are processed in your browser, on your own device. Nothing is uploaded to a server.
Enter an amount and this PayPal fee calculator shows the fee, what you keep, and the effective rate as a share of the amount. The rate and fixed fee are editable fields with US presets as a starting point, and a gross up mode works out what to charge to keep a set amount.
The presets cover common US cases. PayPal Checkout sits at 3.49 percent plus 0.49. Standard card payments sit at 2.99 percent plus 0.49. Goods and services paid direct sit at 2.99 percent with no fixed fee. Micropayments sit at 4.99 percent plus 0.09.
These presets are starting points, not a promise about your account. They were last checked against PayPal published fee pages on 30 October 2026, and the fields stay editable because the right figures depend on your account type, country and how the buyer pays.
Gross up runs the fee backwards. To keep 100 at 3.49 percent plus 0.49, you charge 104.12, so the fee is covered by the price rather than eating into the amount you planned to receive.
The fixed fee explains most of the gap between presets. Two rates can share a percent and still land differently on small payments, because the flat part does not shrink with the amount.
The official schedule for your own account and country is the source of truth. Published fee tables disagree with each other, rates change over time, and a single hard-coded rate would quietly go stale while looking certain.
Currency conversion carries its own spread on top of the fee. A payment converted by PayPal costs more than the fee lines alone suggest, and the conversion rate is set at the time of the payment.
The effective rate line is worth a look on small payments. A fixed fee of 0.49 barely dents a payment of 500, yet it takes a real bite out of a payment of 5, which is why micropayment rates exist.
Freelancers and sellers quoting across borders feel this most. A price that works at one preset can come up short at another, and the gross up mode exists for that exact moment.
The calculator runs in your browser. Amounts you type are never uploaded or stored, there is no sign-up, and there are no usage caps.
Checkout is 3.49 percent plus 0.49, standard card payments are 2.99 percent plus 0.49, goods and services paid direct are 2.99 percent with no fixed fee, and micropayments are 4.99 percent plus 0.09.
You type the amount you want to keep, and the tool adds the fee on top to find the charge. Keeping 100 at 3.49 percent plus 0.49 means charging 104.12, so the fee is covered before it is taken.
Because rates differ by account, country and payment type, and they change. A fixed rate baked into the page would be wrong for many readers and quietly out of date for the rest.
Tick the international box and 1.50 percent is added to the rate before the fee is worked out. If the payment also changes currency, a conversion spread applies on top of that.
Yes. PayPal builds a spread into its exchange rate, so a converted payment costs more than the headline fee. The fee calculator shows the fee itself, and the spread sits outside it.
The one on the PayPal published fee schedule for your country and account type. Use the presets here as a fast estimate, then confirm the figures there before quoting prices.
Same rules as this one: free, in your browser, with nothing uploaded.
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