Free calculator
PayPal fee calculator
Estimate how much PayPal may take on a commercial receive and what you net after; or switch to gross up and see what gross charge lands your target net after the same % and fixed fee. Use presets from a U.S. merchant snapshot, optional +1.50% for many international receive stories, and Advanced to type your % and fixed when the preset does not match your product line. Not a PayPal system quote—check the official fees page for your account and region before you price a contract—see the disclaimer and FAQ.
When to use this calculator
A lightweight % + fixed and gross/ net check before a full model in Sheets or Excel.
- Quote an invoice with a net-after-fees target when you are willing to use an illustration of % + fixed and optional +1.50% for cross-border stories.
- Reconcile mentally with a U.S. eBay.com line in our eBay tool—separate line items in a P&L.
- Copy the (net+fixed)/(1−p) and =gross*p+fixed patterns to your workbook—methodology names p.
- Use the currency converter only for a second FX step, not to replace a table you must read on PayPal.
We use % of gross plus a per-transaction fixed, with an optional +0.015 on gross when the international toggle is on, matching a common U.S. published add-on. Gross up solves (net + fixed) / (1 − p). Presets and fixed currencies follow a 2026-02-09 desk snapshot; re-read your regional fees page. Example U.S. business table: Open PayPal (example market)
Fee, net, and the variable share
Let p = (base% ÷ 100) + (add international 1.5 pp ? 0.015: 0). Fee = gross×p+fixed (rounded in code to cents). Net = gross−fee.
Gross up to a target net
Solve gross = (net+fixed) / (1−p) when p<1; then re-compute the displayed fee and net for parity on-page.
International, FX, and EEA
The +1.50% layer and “domestic” market definitions are simplified—EEA and other grouping text lives on PayPal sites. FX and 3–4% style conversion lines are not included as a dollar fee in this v1 model.
What to verify off-page
PayPal Checkout, Pay Later, QR vs invoicing, and reduced charity lines have other % tables—pick a product-facing table in Settings and override % and fixed in Advanced for your story.
For %-only or A→B change helpers, the percentage and margin tools sit on either side of this use case; we link them below instead of re-building them here. For a generic percent of a number, open the percentage calculator. For gross margin and markup on a unit line, use margin and markup. For a U.S. eBay.com FVF-style stack, see the eBay fee calculator after you split gross into what PayPal and eBay each see. To convert a gross between currencies in a second step, use the currency converter (ECB-style reference rates, not a bank trading quote).
Google Sheets & Excel
Name G2 = gross, B2 = base % (as a number e.g. 2.99 for 2.99%), C2 the +1.50% as 0..1 if you add it in one % cell, and E2 = one-time fixed; adjust to your convention.
=(G2)*(B2/100+(D2)) + E2Put the +1.50% in (D2) or merge into (B2); =G2 − that_cell for net once fee matches your agreement.
=(F2 + E2) / (1 - (B2/100) - (D2))F2 = target net; (B2/100) + (D2) = p; guard denominator >0; D2 = 0.015 when the +1.50% is in a separate cell; align with the way you type %s.
Frequently asked questions
What is this tool estimating?
A % + fixed and optional +1.50%-style surcharge on a gross amount in one currency—a teaching simplification of typical U.S. published commercial receives—not every product line, not a reconciliation output.
Is this the official PayPal calculator?
No. PayPal-owned tools and your agreement win when a line item changes.
Is “gross” my buyer’s checkout total with tax?
Use the gross that your % and fixed are meant to follow in table text—often the settlement face in your selling currency, not a jurisdiction-specific tax story we model in v1.
What is the fee on a $100 payment in this U.S. illustration?
For 2.99% + $0.49 with no international add-on, about $3.48 fee and $96.52 net; treat as a repro test only—confirm the row in current PayPal docs for your line and date.
Can I add the fee to the buyer’s bill?
Some jurisdictions regulate surcharge; this is not a compliance answer—use a gross-up as a modeling help only, not a surcharge or invoicing rule for your jurisdiction.
How is this different from the eBay fee calculator?
eBay FVF and per-order lines are separate from a card-or-PayPal-wallet line on a U.S. eBay sale—stack both tools in your P&L model; this one is the % + fixed you choose for the gross you name.
Why doesn’t the net line match my bank or PayPal’s FX after conversion?
We do not add a currency-conversion line—only the % + fixed in the gross you set. Cross-border and settlement stories add more %; read the fees page for those lines.
How do I do this in Google Sheets or Microsoft Excel?
Type =gross*rate+fixed with your %s as decimals or use %-formatted cells consistently, then for Gross up use (net+fixed)/(1-totalP). See the copy cards; reconcile to a one-row you understand.
Is this tax, legal, or payment-processor advice?
No—a free educational illustration; rely on your agreement and professionals for compliance.