PayPal Fee Calculator

Estimate PayPal seller fees, net payout, and gross-up amount from transaction value, percentage rate, and fixed fee.

Last reviewed May 27, 2026 by CalcMastery Editorial Team; Reviewed by CalcMastery Finance Review Team

PayPal Fee Calculator

Estimate PayPal fees by country and transaction type. See the rate, fee, and net in your local currency, and reverse-calc the amount to charge to receive a target net.

SendingReceiving

Results

  • Fee rate— %
  • Fixed fee—
  • Total fee—
  • Net received—
  • Amount to charge—
  • Currency—

Enter your inputs above to calculate the results.

Use this PayPal fee calculator to estimate the seller fee and net payout for a payment. Enter transaction amount, percentage fee, fixed fee, and optional international or currency assumptions when relevant. The result shows total fee, net amount received, and the gross amount to charge if you need a specific net payout.

PayPal Fee Formulas explained

1) When you know the amount you’re charging (gross amount)

Fee = (Amount × Fee Rate) + Fixed FeeNet Received = Amount − Fee
Example:Fee Rate = 2.99% = 0.0299Fixed Fee = 0.49Amount = 100
Fee = (100 × 0.0299) + 0.49 = 3.49Net Received = 100 − 3.49 = 96.51

2) When you want to receive a specific net amount

Amount to Charge = (Desired Net + Fixed Fee) ÷ (1 − Fee Rate)Fee = Amount to Charge − Desired Net
Example:Desired Net = 100Fee Rate = 2.99% = 0.0299Fixed Fee = 0.49
Amount to Charge = (100 + 0.49) ÷ (1 − 0.0299) = 103.59Fee = 103.59 − 100 = 3.59

3) If Instant Transfer applies

Instant Transfer Fee = Net Received × Instant Transfer RateCash You Receive = Net Received − Instant Transfer Fee
Example:Instant Transfer Rate = 1% = 0.01Net Received = 100
Instant Transfer Fee = 100 × 0.01 = 1.00Cash You Receive = 100 − 1.00 = 99.00

4) International or cross-border payments

If theres an extra cross-border rate:Total Rate = Fee Rate + Cross-Border Rate
Then:Fee = (Amount × Total Rate) + Fixed Fee

5) Currency conversion (if currencies differ)

Net After Conversion = Net Received × Exchange Rate × (1 − FX Markup)
Example:Exchange Rate = 1.10 (USD → EUR)FX Markup = 4% = 0.04Net Received = 100 USD
Net After Conversion = 100 × 1.10 × (1 − 0.04) = 105.6 EUR

6) Full Example — Domestic Receiving (US)

  • Fee Rate: 2.99%

  • Fixed Fee: $0.49

  • Desired Net: $100

Amount to Charge = (100 + 0.49) ÷ (1 − 0.0299) = 103.59PayPal Fee = 3.59You Receive = $100
If Instant Transfer 1% is ON rightarrow Instant Transfer Fee = 100 × 0.01 = 1.00Final Cash Received = 99.00

Related calculators and references

How to Use the PayPal Fee Calculator

Follow these steps to calculate PayPal fees and find either the amount to charge or your net received.

Choose the direction (Sending or Receiving).

Pick Receiving if you want to know what the seller gets, or Sending if you want to see what the payer is charged. Results are computed differently, so using the wrong direction can mislead totals.

Select country and transaction type.

Set your Country/currency and choose Domestic or International based on where payer and receiver are located. PayPal fees vary by country and cross-border status. A common mistake is leaving “Domestic” selected when the payment is cross-border.

Toggle Goods & Services (G&S) if it’s a sale.

Switch Goods & Services on for commercial payments (seller protection eligible) and off for personal transfers. G&S applies the merchant percentage plus fixed fee; Personal/“Friends & Family” typically has different or no receiver fee depending on region.

Enter either Amount or Desired Net.

Type the Amount you plan to charge (e.g., 100.00) or the Desired Net you want to receive; the calculator fills the other field using the formula above. Use a period for decimals (enter 75.50, not 75,50) and avoid currency symbols or commas.

Set Instant Transfer if cashing out instantly.

Turn Instant Transfer on only when you plan to move funds to your bank instantly; this adds an extra cash-out fee in supported regions. Leaving it on when you’ll use standard transfer will overstate total fees.

Frequently Asked Questions

These FAQs explain PayPal fee inputs, gross-up calculations, international adjustments, and when to confirm live pricing.

How does this calculator compute a PayPal receiving fee?

It applies the published percentage for the selected payment type and adds the currency’s fixed fee when applicable (for example, many online PayPal/Venmo payments in the U.S. use 3.49% plus a fixed amount in USD). “Send/Receive Money for Goods & Services” in the U.S. uses a percentage only. International receipts add an extra cross-border percentage on top of the domestic rate.

How do I invoice so I receive a specific net amount?

Enter your desired net, and the calculator increases the charge so that, after the percentage and any fixed fee (and any cross-border add-on), the remaining amount equals your target. The final charge is rounded to the currency’s minor unit.

What fixed fee and currency codes are used?

Fixed fees come from PayPal’s fee tables by currency (for example, USD has a fixed fee commonly shown as $0.49 for many online payments). Currency codes such as USD, EUR, and GBP come from ISO 4217 and determine the number of decimal places used.

How are international or cross-border transactions handled?

The calculator starts with the domestic fee for the chosen payment type, then adds the relevant cross-border percentage that PayPal specifies for the payer’s country or region. If a fixed fee applies domestically, the same fixed fee (in the transaction currency) also applies to cross-border receipts.

How do Instant Transfer payouts affect the result?

If you enable Instant Transfer, an extra payout fee is applied after the receiving fee. In the U.S., this is a percentage of the payout amount with a minimum and maximum; the calculator subtracts that payout fee to show the amount that actually arrives in your bank.

  1. The calculator uses the official PayPal fee structure based on:

    • Country and currency

    • Domestic or international transaction

    • Goods & Services or Friends & Family

    • Instant Transfer toggle

  2. It applies the percentage fee (Fee Rate) and the fixed fee (Fixed Fee) to the amount sent or received.

  3. If you input a gross amount, it subtracts the fee to show what you’ll receive.
    If you input a desired net amount, it reverses the formula to tell you how much to charge.

  4. If Instant Transfer is enabled, it applies the extra percentage to the received amount.

  5. For international transactions, it adds the cross-border fee and (if applicable) a currency-conversion markup.

  6. All results are rounded to two decimals at the end for clarity and real-world matching with PayPal’s rounding.

Sources & Methodology