PayPal Fee Calculator

PayPal-style fees are typically a percent of the sale amount plus a fixed per-transaction fee. The common online-payment default is 2.9% + $0.30 for domestic goods and services, though the actual rate depends on transaction type, country, currency, account type, and incentives. International and currency-conversion surcharges may apply on top.

Forward mode: you know the sale amount, you want to see the fee and what you will net. Reverse mode: you know the net you want to receive, you want to see what to charge the customer so the net works out. Reverse mode solves charge = (target_net + fixed) / (1 − percent).

2.9% + $0.30 is a common starting point for online payment processing and reflects PayPal's historical published rate for U.S. domestic goods and services, but PayPal can change rates without notice and the actual rate that applies depends on your specific account, transaction type, and counterparty. Always confirm current rates in your PayPal seller dashboard before pricing.

PayPal friends and family (personal transfers funded from balance or bank in many regions) is typically fee-free. Set percent and fixed fee to 0 to model that case. International friends and family transfers and credit-card-funded transfers may still incur fees; set the rates accordingly.

International transactions often add a surcharge on top of the domestic rate (commonly 1 to 2 percentage points), plus a currency-conversion margin on the FX rate that PayPal applies. Enter the international surcharge in the dedicated field. Currency-conversion margins are not separately modeled.

No. This is an independent fee-estimation tool. PayPal's actual fee schedule is authoritative; consult your account dashboard or PayPal's fees page for the rates that apply to your specific transactions.