PayPal Fee Calculator 2026 – Calculate PayPal Fees & Net
Wondering how much PayPal will take from your payment? Use our PayPal calculator to estimate your PayPal fee, calculate how much you’ll receive after fees, or find out how much you should charge to receive a specific amount.
This guide explains PayPal fees in 2026, PayPal Goods & Services fees, international payments, invoice fees, currency conversion, and how to calculate the amount you need to charge a customer.
Important: PayPal does not have one universal fee for every transaction. Your actual fee can depend on the transaction type, payment method, currency, account location, and other factors.
Last reviewed: October 2026
PayPal Fee Calculator
Use the calculator below to estimate your PayPal transaction fee.
Calculate What You’ll Receive
Payment amount: $100.00
Transaction type:
- PayPal Checkout
- Goods & Services
- Invoice
- Card payment
- International payment
- Other
Currency: USD
Your estimated result
Gross payment: $100.00
Estimated PayPal fee: —
Estimated amount you’ll receive: —
Calculate How Much to Charge
Need to receive exactly $100 after PayPal fees?
Use the reverse calculator:
Desired amount after fees: $100.00
Transaction type: Select your applicable transaction
Estimated amount to charge: —
This is particularly useful for freelancers, consultants, online sellers, and businesses sending PayPal invoices.
What Is a PayPal Calculator?
A PayPal calculator is an online tool that estimates the fee PayPal may deduct from a transaction.
Instead of manually calculating percentages and fixed charges, you enter the payment amount and select the applicable transaction type.
A good PayPal fee calculator can answer three questions:
- How much will PayPal charge?
- How much will I receive after PayPal fees?
- How much should I charge to receive a specific amount?
The basic calculation is:
Gross payment − PayPal fee = estimated net payment
Because PayPal has different pricing for different transaction types, the calculator should use the appropriate fee rather than applying one rate to every payment.
How Does the PayPal Fee Calculator Work?
For a transaction that uses a percentage fee plus a fixed fee, the basic formula is:
PayPal fee = (Payment amount × percentage rate) + fixed fee
Then:
Net amount = Payment amount − PayPal fee
Example
Suppose the applicable fee is 3.49% + $0.49.
For a $100 payment:
- Percentage fee: $100 × 3.49% = $3.49
- Fixed fee: $0.49
- Total fee: $3.98
- Estimated amount received: $96.02
This is an example calculation. It does not mean that 3.49% + $0.49 applies to every PayPal transaction.
How Much Does PayPal Charge in 2026?
There isn’t one universal PayPal fee.
PayPal’s current US merchant fee schedule lists different rates depending on the payment product and transaction type.
Examples from PayPal’s current US fee information include:
| Transaction/payment type | Listed US rate |
|---|---|
| PayPal Checkout | 3.49% + fixed fee |
| PayPal Guest Checkout | 3.49% + fixed fee |
| QR-code transactions | 2.29% + fixed fee |
| Pay with Venmo | 3.49% + fixed fee |
| Standard card payments | 2.99% + fixed fee |
| PayPal Pay Later | 4.99% + fixed fee |
| Certain Goods & Services transactions | 2.99% |
PayPal also lists a $0.49 fixed fee for applicable US-dollar commercial transactions in its current fee table. (PayPal)
These rates should be treated as transaction-specific rather than a single “PayPal fee.”
PayPal Fee on $100
If you’re searching for the PayPal fee on $100, the answer depends on the transaction.
For example, using a 3.49% + $0.49 rate:
$100 × 3.49% = $3.49
Then add the fixed fee:
$3.49 + $0.49 = $3.98
Estimated amount received:
$100 − $3.98 = $96.02
If your transaction uses a different PayPal rate, the result will be different.
That’s why a PayPal fee calculator should allow you to select the transaction type.
How Much Should I Charge to Receive $100 on PayPal?
This is where a reverse PayPal calculator becomes useful.
If you need to receive exactly $100 after fees, you cannot simply add the fee percentage to $100 because the percentage is calculated against the amount charged.
For a percentage plus fixed fee, the reverse formula is:
Amount to charge = (Desired net amount + fixed fee) ÷ (1 − percentage rate)
For example, using a hypothetical 3.49% + $0.49 fee:
($100 + $0.49) ÷ (1 − 0.0349)
The calculator can perform this calculation automatically.
This feature is useful when:
- Sending a freelance invoice
- Charging a client
- Selling products
- Selling digital services
- Setting a fixed price
- Receiving an exact amount after fees
PayPal Goods and Services Fee Calculator
Many users search for a PayPal G&S fee calculator when selling products or services.
“Goods and Services” refers broadly to commercial payments involving the purchase or sale of goods, services, or other commercial activity.
However, you shouldn’t assume that every Goods & Services transaction has exactly the same fee.
PayPal’s current US pricing varies according to the payment method and product.
For example, PayPal publishes separate pricing for:
- PayPal Checkout
- Guest Checkout
- Card payments
- Pay Later
- QR-code payments
- Invoicing
- Other commercial transactions
So the correct approach is to identify the payment method first and then calculate the applicable fee.
PayPal Fee Calculator for Sellers
If you sell online, payment-processing fees can reduce your actual revenue.
For example:
Customer pays: $500
↓
PayPal fee: Applicable transaction fee
↓
You receive: $500 − PayPal fee
↓
Actual profit: Net payment − your business costs
This is why sellers should consider the net amount, rather than only the amount displayed to the customer.
For businesses processing many transactions, even a relatively small fee can have a noticeable effect on total revenue.
PayPal Invoice Fee Calculator
PayPal invoices can have different pricing depending on how the customer pays.
PayPal’s current US fee information includes separate rates for payments made through invoices.
For example, the current schedule lists different rates for:
- PayPal Checkout through an invoice
- Pay with Venmo
- Guest Checkout
- Credit/debit cards
- PayPal Pay Later
- Pay by Bank (ACH)
PayPal currently lists Pay by Bank (ACH) through certain invoicing transactions at 1%, capped at $10 per transaction.
International invoicing transactions may also have an additional international percentage-based fee.
Therefore, when calculating the cost of receiving an invoice payment, select the invoice/payment method that matches your transaction.
PayPal International Fee Calculator
International payments require more than a simple domestic fee calculation.
PayPal defines an international transaction based on the sender and recipient being registered or identified as residents of different markets.
For qualifying US commercial transactions, PayPal currently lists an additional 1.50% international percentage-based fee. (PayPal)
An international payment may therefore involve:
Domestic transaction fee
International fee
Potential currency conversion impact
This is why a domestic PayPal calculator should not automatically be used for every international payment.
PayPal Currency Calculator
A PayPal fee calculator and a PayPal currency calculator are not the same thing.
The fee calculator estimates transaction costs.
The currency calculator helps you understand how PayPal converts one currency into another.
PayPal says users can access its currency calculator through the Wallet section and select the currencies they want to compare. (PayPal)
PayPal also explains that its transaction exchange rate includes a currency conversion fee applied to its base exchange rate. (PayPal)
So an international payment can effectively involve:
Payment received → transaction fee → currency conversion → final amount
Does PayPal Charge for Currency Conversion?
Currency conversion can affect the final amount you receive.
For example, imagine you receive a payment in USD but ultimately need the funds in another currency.
The calculation isn’t simply:
USD amount × publicly displayed exchange rate
PayPal’s applicable transaction exchange rate can include a currency conversion fee.
Therefore, when estimating an international payment, consider both:
- PayPal transaction fees
- Currency conversion
This is especially important for freelancers and businesses receiving payments from overseas customers.
PayPal Calculator for Freelancers
Freelancers often focus on the amount shown on their invoice.
But the more important number is:
How much will I actually receive?
Suppose you invoice a client for:
$1,000
Your calculation may involve:
$1,000 client payment
↓
PayPal transaction fee
↓
International fee, if applicable
↓
Currency conversion, if applicable
↓
Final amount received
This is why freelancers should calculate the net amount before agreeing to a project price.
How to Calculate PayPal Fees Manually
If you know the applicable percentage and fixed fee, use:
Fee
Fee = (Amount × Percentage) + Fixed Fee
Net payment
Net payment = Amount − Fee
Amount required to receive a target amount
Required payment = (Target amount + Fixed Fee) ÷ (1 − Percentage)
For simple calculations this works well.
However, manual calculations become difficult when you have different payment methods, international fees, or currency conversion.
That’s where a PayPal calculator saves time.
PayPal Calculator Examples
Example 1: $100 payment
Assume:
3.49% + $0.49
Payment:
$100
Estimated fee:
$3.98
Estimated net:
$96.02
Example 2: $500 payment
Using the same illustrative rate:
$500 × 3.49% = $17.45
Add:
$0.49
Total:
$17.94
Estimated net:
$482.06
Again, this is an illustration. Always select the actual transaction rate.
Example 3: You want to receive $1,000
Instead of entering $1,000 as the customer payment, enter:
Desired net amount: $1,000
The reverse calculator determines the gross amount needed based on the applicable PayPal fee.
This is useful when you don’t want payment processing fees to reduce the amount you agreed to receive.
PayPal Fees vs. Your Selling Price
A common mistake is setting a product or service price without considering payment-processing costs.
For example:
Selling price: $100
doesn’t necessarily mean:
Revenue received: $100
The actual calculation is:
Selling price − payment fee = net revenue
Then:
Net revenue − product/business costs = profit
If your margins are tight, calculating PayPal fees before setting your price can help you avoid underpricing.
Are Online PayPal Calculators Accurate?
A calculator is only as reliable as the fee information it uses.
Some third-party calculators can be useful for quick estimates, but their rates may not always reflect PayPal’s latest pricing.
For example, SaleCalc’s PayPal calculator references PayPal fee information from 2021 in its changelog.
PayPal’s current US merchant fee documentation was updated September 1, 2026. (PayPal)
This is why our calculator should clearly state the assumptions used and link readers to the official PayPal fee schedule.
For large or important transactions, always verify the final fee in your PayPal account or with PayPal directly.
PayPal Calculator vs. PayPal’s Official Fee Information
Third-party calculators are convenient because they perform the math for you.
However, PayPal’s official fee schedule is the best source for determining which fee applies to a particular transaction.
The ideal workflow is:
1. Identify your transaction type
2. Check the applicable PayPal rate
3. Enter the rate into the calculator
4. Calculate the estimated fee
5. Calculate the net amount
6. Consider currency conversion if applicable
This gives you a more reliable estimate than simply searching for a generic “PayPal fee percentage.”
Who Should Use a PayPal Fee Calculator?
A PayPal calculator can be useful for:
Freelancers
Calculate how much to invoice so you receive your target amount.
Online sellers
Estimate payment-processing costs before setting product prices.
Consultants
Calculate the net amount received from client payments.
Small businesses
Estimate payment-processing expenses.
Digital product sellers
Determine how transaction fees affect margins.
International freelancers
Estimate the effect of transaction fees and currency conversion.
PayPal users sending invoices
Calculate the expected amount received before requesting payment.
Frequently Asked Questions
What is the PayPal fee on $100?
There isn’t one universal fee. It depends on the transaction type and applicable PayPal rate.
For example, using an illustrative 3.49% + $0.49 rate, the fee on $100 would be $3.98.
How much does PayPal charge on $1,000?
The answer depends on your transaction type. Enter $1,000 into the calculator and select the applicable payment method.
How much should I charge to receive $100 on PayPal?
Use the reverse calculator and enter $100 as your desired net amount. The calculator will determine the required gross payment based on the selected fee.
What is the PayPal Goods and Services fee?
There isn’t one universal Goods & Services fee for every transaction. PayPal’s current US pricing varies depending on the payment product and method.
Does PayPal charge international fees?
Yes, additional international fees can apply to qualifying transactions. PayPal’s current US merchant schedule lists a 1.50% additional international percentage-based fee for qualifying commercial transactions.
Does PayPal charge for currency conversion?
Currency conversion can affect the amount you receive. PayPal states that its transaction exchange rate includes a currency conversion fee.
Does PayPal use the same fee for every payment?
No. PayPal has different rates for different payment products and transaction types.
Can I calculate PayPal fees manually?
Yes. For a percentage-plus-fixed fee:
Fee = amount × percentage + fixed fee
However, a calculator is easier when different transaction types or international payments are involved.
Is this PayPal calculator official?
No. A third-party calculator is an estimation tool. PayPal’s official fee schedule should be used to verify the applicable fee.
Can PayPal fees change?
Yes. PayPal can update its pricing and terms. Always check the current PayPal fee schedule when calculating an important transaction.
Key Takeaways
The most important thing to remember is that there is no single PayPal fee that applies to every payment.
To estimate what you’ll actually receive:
Payment amount − applicable PayPal fees = estimated net amount
For international payments, also consider:
Transaction fee + international fee + currency conversion
And if you need to receive a specific amount:
Use the reverse calculator to determine how much you need to charge.
For the most accurate calculation, identify the transaction type first and use current PayPal pricing.
Last reviewed: October 2026
Disclaimer: This calculator and article are provided for informational purposes only. PayPal’s actual fees can vary based on your account, location, transaction type, payment method, currency, and applicable PayPal terms. Always verify the applicable fee with PayPal before relying on a calculation for a significant transaction.
PayPal Fee Calculator 2026
Calculate PayPal fees, your net payment, or how much to charge.
