How to Calculate Stripe Fees

To calculate Stripe fees, open the Stripe Fee Calculator, choose What I receive or What to charge, enter the Amount along with the Percentage fee % and Fixed fee, and read the result — the fee taken, what lands in your account, and the effective rate.

What the Stripe Fee Calculator does

Stripe takes a percentage of every charge plus a small fixed fee, so the amount a customer pays and the amount that actually lands in your account are never quite the same number. The Stripe Fee Calculator does that math both directions: tell it what a customer is charged and it shows what you'll receive, or tell it how much you need to receive and it works backward to the amount you should charge. It also has a toggle for international cards, since those typically cost more to process.

How to calculate Stripe fees with Toolbench

1. Open the Stripe Fee Calculator.
2. In the Calculate selector, choose What I receive (you know the charge amount and want the payout) or What to charge (you know what you need to receive and want the charge amount).
3. Enter the amount — the field is labeled Amount charged in "What I receive" mode, or Amount you want to receive in "What to charge" mode.
4. Enter Percentage fee % (defaults to 2.9, Stripe's standard US card rate) and Fixed fee (defaults to 0.30, i.e. $0.30 per charge).
5. Turn on International card (+1.5%) if the card is issued outside your country — Stripe adds a surcharge for those, and the calculator adds 1.5 percentage points to the fee rate when this is on.
6. Read the main result, then the rows below it for the fee amount and the effective rate (the fee as a percentage of the relevant amount).

The defaults reflect Stripe's standard US card pricing. Rates vary by country and payment type, so check Stripe's own pricing page and update the Percentage fee % and Fixed fee fields to match your actual account before relying on the numbers.

A real worked example

Charging $100 with the default rate (2.9% + $0.30), domestic card:

	What I receive	What to charge (to net $100)
Amount charged	100.00	103.30
Fee	3.20	3.30
You receive / To receive	96.80	100.00
Effective rate	3.20%	3.19%

In "What I receive" mode, a $100 charge costs you $3.20 (2.9% of $100, which is $2.90, plus the $0.30 fixed fee), so you receive $96.80. In "What to charge" mode, if you need to actually net $100 after fees, you'd need to charge $103.30 — slightly more than $100 plus the fee, because the percentage fee also applies to the extra amount you're charging to cover itself.

How the international surcharge changes the numbers

Same $100 charge, same defaults, with International card (+1.5%) turned on (effective rate becomes 2.9% + 1.5% = 4.4%, plus the $0.30 fixed fee):

	Domestic	International
Amount charged	100.00	100.00
Fee	3.20	4.70
You receive	96.80	95.30
Effective rate	3.20%	4.70%

The extra 1.5 percentage points costs you $1.50 more on a $100 charge — the fixed $0.30 fee doesn't change, only the percentage portion goes up.

Tips and common mistakes

• The default rates are a starting point, not your actual account. Stripe's pricing differs by country, payment method (cards vs. ACH, for example) and whether you're on standard or custom pricing. Update Percentage fee % and Fixed fee to match your Stripe dashboard before trusting the output.
• "What to charge" isn't just adding the fee back on. Because the fee itself is a percentage of the charge, the amount you need to charge to net a target payout is always a little more than target + fee — the calculator does that division for you so you don't undercharge.
• The international surcharge only affects the percentage fee, not the fixed fee. Toggling it on adds 1.5 percentage points to the rate used in the calculation; it doesn't change the $0.30 (or whatever you've set) fixed fee per charge.
• Effective rate is relative to different bases in each mode. In "What I receive," it's the fee as a percentage of the amount charged. In "What to charge," it's the fee as a percentage of the amount charged (which is now the higher, solved-for number) — so the same percentage fee setting produces a slightly lower effective rate in "What to charge" mode.

Related tools

• PayPal Fee Calculator — the same receive/ask calculation for PayPal's fee structure.
• Margin Calculator — profit margin and markup from cost and price.
• Discount Calculator — sale price after one or two stacked discounts, with optional tax.
• Sales Tax Calculator — add sales tax to a price, or back it out of a total.

Frequently asked questions

How do I calculate what I'll actually receive after Stripe fees?

Open the Stripe Fee Calculator, leave Calculate on What I receive, enter the amount charged along with your percentage fee and fixed fee, and read the "You receive" result — it's the charge amount minus the percentage fee and the fixed fee.

How much do I need to charge to net a specific amount after Stripe fees?

Switch Calculate to What to charge, enter the amount you want to receive in the Amount you want to receive field, and the calculator solves for the charge amount that leaves you with exactly that much after fees are deducted.

What's Stripe's standard fee in this calculator?

The calculator defaults to 2.9% plus a $0.30 fixed fee per charge, which reflects Stripe's standard US card pricing. Your actual rate may differ by country or account, so adjust the Percentage fee % and Fixed fee fields to match your own Stripe pricing.

What does the international card toggle do?

Turning on International card (+1.5%) adds 1.5 percentage points to the percentage fee used in the calculation, reflecting Stripe's additional charge for cards issued outside your country.

Is my data sent to a server?

No. The calculation runs in your browser as you type. If you're signed in, your inputs sync privately to your account; if you're signed out, nothing is saved anywhere.