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Payment Fee Reverse Calculator
Everyday Utilities
Find exactly how much to invoice so you receive your target amount after Stripe, PayPal or Square fees.
You Should Invoice
$1030.18
Invoice
$1030.18
Stripe fee
−$30.18
You receive
$1000.00
Formula: (amount + $0.30) ÷ (1 − 2.9%), rounded up to the next cent. Rates are standard US online card rates; check your provider for your exact fees.
What is the Payment Fee Reverse Calculator?
The Payment Fee Reverse Calculator tells you how much to invoice a client so that, after the payment processor takes its percentage and fixed fee, you receive exactly the amount you want. It uses the formula invoice = (target + fixed fee) ÷ (1 − percentage fee), rounded up to the next cent.
How to use this tool
- Enter the amount you want to receive.
- Choose Stripe, PayPal, Square or enter custom fees.
- Read the amount you should invoice and the fee breakdown.
- Copy the invoice amount into your invoice.
Frequently Asked Questions
Because the percentage fee is charged on the total invoice, including the fee itself. Adding 2.9% of your target leaves you slightly short; dividing by (1 − 2.9%) gets the amount exactly right.
They're the standard US online card rates commonly published for each provider. Rates vary by country, card type, currency conversion and plan — use the Custom option to enter your exact rates.
It depends on your location and the payment provider's terms. Some regions restrict card surcharges, so check local rules before adding fees to invoices.
No. Everything runs in your browser, so nothing is uploaded to a server.