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Freelance Stripe Fee Calculator

Estimate Stripe processing fees, your net payout, and the client charge needed to hit your target freelance income.

Your Details

Overview

This freelance Stripe fee calculator helps you estimate how much Stripe may deduct from a client payment and how much you may actually keep. Enter your invoice amount, Stripe percentage fee, fixed transaction fee, and any extra costs to see your net payout and the charge needed to reach a target amount.

How it works

The calculator multiplies your invoice amount by the Stripe percentage fee, then adds the fixed fee and any other fees to estimate the total deduction. Your net payout is the invoice amount minus those fees. To estimate how much you need to charge to keep a target amount, it works backward by dividing the desired net plus fixed costs by the remaining percentage after the Stripe fee is applied.

How to use this calculator

  1. 1Enter your planned invoice amount.
  2. 2Add Stripe's percentage fee for the payment.
  3. 3Enter the fixed fee charged per transaction.
  4. 4Include any other fixed fees if they apply.
  5. 5Review your total fees, net payout, and the amount to charge to hit your target net.

Example Calculation

Invoice amount

$1,000

Stripe percentage fee

3%

Fixed fee per transaction

$0

Other platform fees

$0

Target net amount

$1,000

Total fees

$29.30

On a $1,000 invoice with a 2.9% fee and a $0.30 fixed fee, estimated total fees are about $29.30 and the net payout is about $970.70. To keep $1,000 after fees, you would need to charge about $1,030.18.

Frequently asked questions

What does this calculator estimate?

It estimates Stripe-style payment processing fees, your net payout after fees, and how much you may need to charge to keep a chosen amount.

Can I include extra platform costs?

Yes. Use the other fees field to add any extra fixed costs you want included in the estimate.

Does this work for all Stripe accounts?

It works as a general estimate, but actual fees can vary by country, payment method, currency, and any custom pricing on your account.

Why is the effective fee rate higher on smaller invoices?

The fixed transaction fee makes up a larger share of smaller payments, so the total fee percentage is often higher.

Can I use this to decide whether to pass fees on to clients?

It can help you compare outcomes, but whether and how you pass on fees depends on your pricing, contracts, and local rules.

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Assumptions and warnings

Assumptions

  • This calculator uses a simple fee model with one percentage fee and fixed per-transaction fees.
  • Results are estimates and do not include refunds, disputes, taxes, currency conversion, or subscription fees unless you add them manually.
  • The target net calculation assumes the same fee structure applies to the full payment amount.
  • All amounts are treated as a single transaction.

Warnings

  • This calculator provides an estimate only and is not financial advice.
  • Actual Stripe fees can vary by country, payment method, currency, and account terms.