Invoice Fee Calculator
Know exactly what PayPal, Stripe, Wise, or Venmo takes from every payment — and how much to charge to keep your full rate.
Payment Platform Fee Calculator
Understanding Payment Platform Fees in 2026
Every time a client pays you through PayPal, Stripe, Wise, or Venmo, the platform takes a cut. This free invoice fee calculator shows you exactly how much each platform charges — and crucially, how much to invoice if you want to receive a specific net amount.
Current Platform Fee Rates (2026)
PayPal Business: 3.49% + $0.49 per transaction. On a $1,500 invoice that's $52.84 — nearly $53 vanishes before it hits your account. Stripe: 2.9% + $0.30, slightly cheaper at $43.80 on the same invoice. Wise: Approximately 1.1% with no fixed fee, making it the most cost-effective for large international transfers. Venmo Business: 1.9% flat rate.
How to Pass Fees to Clients
Many freelancers add the platform fee to their invoice so they receive exactly what they quoted. Use the "Charge Client to Receive Full Amount" figure in the results above. For example, to receive exactly $1,500 via Stripe, you should invoice $1,547.96 — the platform takes their $47.96 cut and you receive $1,500 clean.
Choosing the Right Platform
For domestic US payments, Stripe and Square are typically cheapest for most invoice sizes. For international transfers, Wise's low percentage fee with no fixed cost makes it significantly cheaper than PayPal, especially on large invoices. Always factor fees into your project pricing from the start.