Free 2026 PayPal fee calculator. Instantly calculate your exact PayPal fees, net payout, and international surcharges. See your real margins before you send.
| Original Amount | $0.00 |
| PayPal Fee (3.49% + $0.49) |
-$0.00 |
| Amount You Receive | $0.00 |
| Effective Rate | 0.00% |
See what you would pay across all PayPal transaction types for the same amount.
PayPal Fee Calculator
Use our PayPal fee calculator to instantly calculate how much PayPal will charge on any transaction. Enter your amount, pick your transaction type, and see your exact fees, net payout, and effective rate in real time. Switch to “Receive Exact” mode to find out how much to charge so you take home a specific amount after fees.
How PayPal Fees Work
PayPal charges a fee on every business payment you receive. The fee has two parts: a percentage of the transaction plus a small fixed fee.
Your final cost depends on:
- Transaction type (invoicing, goods & services, QR codes, micropayments)
- Domestic vs. international (cross-border adds 1.50%)
- Currency conversion (adds approximately 3.00%)
- Payment method (Pay Later carries higher rates)
PayPal deducts the fee automatically before depositing money into your account.
PayPal Fee Formula
Fee=(Amount×Percentage Rate)+Fixed Fee
Net Payout=Amount−Fee
Example: $100 payment at 3.49% + $0.49
Fee=(100×0.0349)+0.49=$3.98
Net=100−3.98=$96.02
Want to receive exactly $100?
Gross to Charge=1−0.0349100+0.49≈$104.12
The calculator does this reverse calculation automatically in “Receive Exact” mode.
Real-World Example
You send a $500 PayPal invoice at the standard 3.49% + $0.49 rate:
| Line Item | Amount |
|---|---|
| Invoice Total | $500.00 |
| PayPal Fee | -$17.94 |
| Net You Receive | $482.06 |
| Effective Rate | 3.59% |
Using the calculator’s fee pass-through option, you’d add an $18.61 surcharge to the invoice and receive exactly $500.
How Much Does PayPal Charge?
PayPal’s fees depend on the transaction type. Here are the current 2026 rates:
| Transaction Type | Rate | Fixed Fee |
|---|---|---|
| Checkout / Invoicing | 3.49% | $0.49 |
| Goods and Services | 2.99% | $0.49 |
| Credit / Debit Cards | 2.99% | $0.49 |
| Donations | 2.89% | $0.49 |
| Pay Later | 4.99% | $0.49 |
| Micropayments | 4.99% | $0.09 |
| QR Code Transactions | 2.29% | $0.09 |
| Charity | 1.99% | $0.49 |
International payments add 1.50%. Currency conversion adds approximately 3.00%.
Standard PayPal Rates
Micropayments are cheaper for small transactions. A $5 payment costs $0.67 in standard fees but only $0.34 with micropayment pricing — nearly half. Use the calculator’s fee comparison table to see which transaction type is cheapest for your amount.
International fees stack: a cross-border payment with currency conversion can add 1.50% + 3.00% on top of the base rate.
Facts About PayPal Fees
- No setup, monthly, or cancellation fees — you only pay per transaction
- The fixed fee makes small transactions costlier — a $10 payment effectively costs 8.39%
- Micropayment pricing (4.99% + $0.09) beats standard pricing for transactions under ~$12
- Friends and Family payments are free domestically when funded by balance or bank
- PayPal charges fees on the total amount including tax and shipping
- Registered 501(c)(3) nonprofits qualify for reduced charity rates of 1.99% + $0.49
- Fees are deducted automatically — you never receive a separate bill
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PayPal Fee Calculator | Instant, Free & 2026 Verified
Free 2026 PayPal fee calculator. Instantly calculate your exact PayPal fees, net payout, and international surcharges. See your real margins before you send.
Price: Free
Price Currency: USD
Operating System: Any
Application Category: FinanceApplication