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Tools / Payment gateway fee & invoice calculator

Payment gateway fee & invoice calculator

Payment processing fee reverse calculator for Stripe, PayPal, Razorpay, and Wise. Work backwards from desired net payouts to calculate exact client invoice totals.

Runs entirely in your browser

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About this tool

Payment processors like Stripe, PayPal, Razorpay and Wise take a cut of every transaction, so the amount you invoice is not the amount you receive. This calculator works backwards from the net payout you want: it computes the gross amount to charge a client so that, after the processor’s fee, you are left with exactly your target.

That reverse calculation is genuinely useful and easy to get wrong — you cannot simply add the fee percentage to your target, because the fee is charged on the higher gross amount, so you have to gross up correctly. Getting it right means you actually receive what you intended rather than coming up a little short every time.

It runs in your browser, so your figures stay private. Fee structures differ by processor and region and change over time, so enter the rates that apply to you and use the result to set invoice amounts accurately.

Frequently asked questions

What does this calculator do?
It works backwards from your desired net payout to the gross amount you must invoice, so that after the payment processor’s fee you receive exactly your target.
Why can’t I just add the fee percentage to my target?
Because the fee is charged on the larger gross amount, not your net target. Adding the percentage undershoots; you have to gross up correctly, which the tool does.
Which processors does it cover?
It supports common processors like Stripe, PayPal, Razorpay and Wise; you enter the fee structure that applies to your account and region.
Are my figures private?
Yes. The calculation runs in your browser, so nothing you enter is uploaded.

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