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FREE PAYPAL FEE CALCULATOR

PayPal fee calculator.
See what you actually receive.

Work out PayPal’s fee on an invoice or checkout payment, or gross up an amount so you receive it in full. US and UK business rates preloaded; any rate can be overridden.

Free. No signup. Runs in your browser.

Payment details

What do you want to work out?
Rates from PayPal’s US and UK business fee pages (last updated 1 Oct 2026). Choose Custom for anything else.

Runs in your browser. Nothing you enter is sent to Angelwood or stored on a server.

Result

PayPal fee: US$35.39

Payment
US$1,000.00
Fee
US$35.39
You receive
US$964.61
Effective rate
3.54%

Currency conversion is charged separately as a spread on the exchange rate and isn’t included. Check PayPal’s fee page for your account before relying on a figure.

How to use the calculator

  1. Choose what to work out: the Fee on a payment, or What to charge to receive an amount.
  2. Pick the Transaction type that matches how you are paid, or choose Custom rate.
  3. Enter the amount and choose Where the payer is, to include any international fee.
  4. Check the Percentage fee and Fixed fee per payment match your PayPal account, then read the fee and what you receive or should charge.

PayPal business rates used

TransactionFee
US – PayPal Checkout3.49% + $0.49
US – Invoicing3.49% + $0.49
US – Standard credit and debit cards2.99% + $0.49
US – International commercial transactions+1.50%
UK – All other commercial transactions2.9% + 30p
UK – International, sender in the EEA / elsewhere+1.29% / +1.99%

From PayPal’s US and UK business fee pages, both last updated 1 October 2026 and checked 23 October 2026. Rates vary by product and account; choose Custom to enter your own. The tool runs entirely in your browser. Nothing you type is sent to Angelwood or saved on a server.

Formulas

  • Fee = amount × (rate + any international percentage) + fixed fee.
  • You receive = amount − fee.
  • To receive X, charge = (X + fixed fee) ÷ (1 − rate).

Worked example

A US agency invoices $1,000 through PayPal Invoicing: 3.49% × $1,000 + $0.49 = $35.39, so it receives $964.61. If the client pays from abroad, the 1.50% international fee makes it $50.39.

DO IT IN ANGELWOOD

Card payments built into your invoices.

Angelwood connects to Stripe so clients can pay invoices by card in their portal or through a payment link.

See invoicing and payments

GOOD QUESTIONS

Questions people ask.

Talk to us
How much does PayPal charge for an invoice in the US?

PayPal’s US business fee page lists invoicing at 3.49% plus a $0.49 fixed fee, with an extra 1.50% for international commercial transactions. Check the page for your account before relying on it.

Does the calculator include currency conversion?

No. PayPal charges conversion as a spread on the exchange rate, which depends on the transaction. The calculator covers the transaction fee only.

Is PayPal cheaper than Stripe?

It depends on your country, payment method and volume. Compare both with the Stripe fee calculator using the rates on your own accounts.

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