Stripe fee and required-charge calculator
Estimate processing fees or charge needed for desired net proceeds.
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Compare two scenarios.
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How it works
Estimate Stripe-style percentage-plus-fixed processing fees using editable rates. Start from an existing customer charge to see net proceeds, or solve for the charge needed to leave a desired amount after the entered fees.
A few things to know
Illustrative defaults are not universal Stripe pricing. Models additive uncapped fees on the full charge with a single fixed fee. Excludes tax on fees, disputes, refunds, subscriptions, payouts, account reserves and currency exchange. Rates depend on country, payment method and contract. Desired-net rounding assumes two decimal currency units and may differ from actual settlement rounding. This estimates proceeds, not business profit.
Results use your inputs. Keep all money amounts in the same currency.
When to use this tool
A processing percentage is only part of the amount deducted from a card payment. Fixed transaction fees and additional international or conversion rates can change the proceeds, especially for small charges. This Stripe fee and required-charge calculator lets you enter those assumptions separately and choose between estimating an existing payment and solving for a desired receipt after fees.
- Estimate net receipts from a proposed customer charge before adding product costs.
- Compare domestic and international scenarios using the rates applicable to your account.
- Solve an internal pricing scenario when a project needs a specific amount after processing fees.
How to use stripe fee and required-charge calculator
Choose the calculation direction
Select Customer charge when you know the amount paid. Select Desired proceeds when you want to work backward from an amount left after the modeled processing fee.
Replace the illustrative tariff
Enter your base rate, fixed fee and relevant additional international or currency conversion rates. Keep the fixed fee and amount in the same currency; the tool does not perform an exchange conversion.
Review the components and rounding
Compare the total fee and net receipt with the individual percentage components. Desired-net mode rounds the required charge upward to 0.01, which is appropriate only for a two-decimal pricing scenario.
A 100 charge with an illustrative card tariff
Inputs
Customer charge mode; amount 100; base rate 2.9%; fixed fee 0.30; international and conversion rates zero.
Result
Estimated processing fees are 3.20 and net proceeds are 96.80. With Desired proceeds mode and amount 100, the required charge is 103.30 and modeled proceeds are 100.0043 before display rounding.
What it means
The reverse calculation includes the fee charged on the extra amount itself. Simply adding 3.20 to a desired receipt of 100 would not fully cover this percentage-plus-fixed fee model.
Common mistakes to avoid
Using the example as a universal rate
Country, payment method, negotiated pricing and add-on services can change the tariff. The default values demonstrate the formula; they do not identify your Stripe account pricing.
Adding a fee to the desired net directly
Because a percentage fee also applies to the extra charge, the reverse formula divides by the remaining percentage. It is not the same as adding the fee on the original desired amount.
Confusing a fee rate with an exchange rate
The conversion-rate field models an additional percentage fee only. It does not translate a customer’s currency into your settlement currency or account for an exchange-rate spread.
Frequently asked questions
Definitions, edge cases, and practical next steps for this tool. Search all tool FAQs ↗
How are the Stripe-style fees calculated?
The tool adds the base, international and conversion percentages, applies that combined rate to the charge, and adds one fixed fee. At a charge of 100 with 2.9% plus 0.30 and no additions, the estimated deduction is 3.20.
How does the required-charge calculation work?
It adds the fixed fee to your desired net amount and divides by one minus the combined percentage rate. This accounts for fees on the extra charge too. The result is rounded upward to a 0.01 unit so the unrounded model reaches the target.
Are the default rates official pricing for my country?
No. They are illustrative inputs. Stripe publishes country- and product-specific pricing, and some businesses use custom terms. Check the appropriate pricing page and account agreement, then replace every applicable component rather than assuming the example matches your payment.
Does the tool calculate profit after a sale?
It calculates proceeds after the processing fees entered. Product cost, fulfillment, advertising, overhead and taxes are separate expenses. Take the resulting fee estimate into a contribution or pricing calculator when you need to evaluate whether a sale is profitable.
Why must combined percentage fees be below 100%?
The reverse formula needs a positive share of each charge to remain after percentage fees. At 100% or more, increasing the charge cannot produce a positive desired receipt under this model. Check that you entered percentages rather than decimal fractions or duplicate components.
Can I use this for currencies without two decimal places?
Existing-charge mode can illustrate the formula, but desired-net mode assumes increments of 0.01. Some currencies have different minor units or provider handling. Confirm the actual currency rounding rules before using the suggested charge in a quote or payment request.
Does this include refunds, disputes and payouts?
No. It models one successful transaction with the rates you enter. Refund treatment, dispute charges, recurring product fees, payout fees and reserve adjustments belong in separate scenarios. A full account reconciliation needs the provider statement and the applicable product rules.
Does a required charge authorize adding a customer surcharge?
No. The result is an arithmetic pricing scenario. It does not establish whether a particular fee can be passed to a customer, how it must be displayed, or whether a payment agreement allows it. Use applicable rules when making actual pricing decisions.
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Sources and method
Use the references below to check definitions and platform guidance. The model’s scope and limits are explained above. Read our editorial standards.