How It Works

Stripe fees are typically a percentage of the charge plus a fixed fee per successful transaction. This tool applies a simple, transparent formula and shows the breakdown so you can validate the numbers and communicate them to your team or clients.

Step-by-step workflow

• Pick a calculation mode: start from a charge amount (what the customer pays) or from a target payout (what you want to receive).
• Select a pricing preset: choose a common Stripe fee structure or switch to a custom rate.
• Add optional extra percentage: include any additional percentage costs you want to model, such as conversion or platform costs.
• Generate the result: get the fee, net payout, effective fee rate, and a plain-text “raw output” you can copy or download.

Important: Stripe pricing can vary by country, product, payment method, and negotiated plans. Treat presets as convenience defaults and use custom rates when you need exact numbers for your account.

Key Features

Charge amount vs target payout

Most calculators only work in one direction. Here you can either enter what the customer pays and see your payout, or enter the payout you need and estimate the charge amount required to cover the fees.

Preset fee profiles

Quickly start with common fee structures and then fine-tune. Presets make it easy to run “what-if” scenarios without retyping the percentage and fixed fee each time.

Extra percentage modeling

Add an additional percentage on top of the core fee. This is helpful for modeling currency conversion, cross-border surcharges, or your own platform fee when you want a single combined view.

Readable breakdown

The result panel shows the percentage component, the fixed component, the total fee, the net payout, and the effective fee rate. You can copy the plain-text output to a spreadsheet, invoice notes, or a customer message.

Rounding control

Toggle rounding to two decimals to match how many systems display money. When using target payout mode, rounding can cause the net payout to differ slightly from the target, and the tool clearly reflects that in the final numbers.

Use Cases

• Pricing digital products: estimate how much fee you pay on a $9.99 or €19.00 product and adjust pricing to protect margin.
• Quoting services: calculate the net amount you will receive after fees when invoicing clients for consulting, design, or development.
• Marketplace planning: model combined fees (processor + platform) to ensure your take rate is sustainable.
• Subscription forecasting: estimate total fees over time by applying your expected average charge size.
• Refund sensitivity checks: understand fee impact when you have frequent refunds or partial refunds (use custom rates if your situation differs).

Whether you run a store, a SaaS subscription, or a service business, seeing the fee and payout side-by-side helps you set prices confidently and reduce surprises on settlement reports.

Optimization Tips

Use the right mode for your goal

If you are setting a public price, use charge amount mode to see what you keep. If you must receive a specific amount (for example, to pay a contractor), use target payout mode to estimate the necessary charge and then sanity-check the rounded outcome.

Separate fee components

Percentage fees scale with transaction size, while the fixed fee has a larger impact on small charges. Try multiple amounts (for example, 5, 15, 50, and 200) to see how the effective fee rate changes and where price points become more efficient.

Model cross-border and conversion costs explicitly

When you sell internationally, additional costs can appear in different places. Keep the core Stripe rate in the main fields and put extra percentage costs into the “Additional percent” input so your scenarios stay easy to compare.

Frequently Asked Questions