Can I use this calculator for both sending and receiving money?

This calculator is primarily designed for recipients to understand their net earnings after fees. When sending money, fees may vary depending on the funding source and transaction type.

How do I calculate PayPal fees manually?

To calculate PayPal fees manually, multiply your transaction amount by the applicable percentage (e.g., 2.9% for domestic goods and services), then add the fixed fee (e.g., $0.30). Subtract that total from your original amount to get your net earnings.

PayPal Fee Calculator: Estimate Transaction Fees Instantly

How PayPal Fees Are Calculated

Understanding the math behind the fees helps you plan smarter and price accurately.

PayPal Fee Formula

For most business and freelance transactions in the U.S., PayPal uses this standard formula:

PayPal Fee = (Transaction Amount × Percentage Rate) + Fixed Fee

For domestic Goods & Services payments:

Percentage Rate = 2.9%
Fixed Fee = $0.30

For international payments, the percentage increases (typically to 4.4%) and the fixed fee varies by currency—but remains around $0.30 for USD.

Real-Life Example

Imagine you’re a freelance graphic designer invoicing a client for $500 via PayPal (Goods & Services):

Percentage fee: $500 × 2.9% = $14.50
Fixed fee: $0.30
Total PayPal fee = $14.80
You receive = $500 – $14.80 = $485.20

Without this calculation, you might assume you’re getting the full $500—leading to unexpected shortfalls in your budget.

How to Use This PayPal Fee Calculator

1️⃣

Enter Your Amount

Type the total payment you expect to receive (or charge) before fees.

2️⃣

Pick the Right Category

Select “Goods & Services” for business, “International” for cross-border, or “Personal” for no-fee transfers.

3️⃣

See Your Net Earnings

Instantly view how much PayPal will deduct—and how much lands in your account.

Frequently Asked Questions

What is a PayPal fee calculator?+

It’s a free tool that estimates how much PayPal will charge you for a transaction. You input the amount and type of payment, and it shows your net earnings after fees.

How much does PayPal charge for goods and services?+

In the U.S., PayPal charges 2.9% + $0.30 per transaction for Goods & Services. This includes seller protection and is the standard for business payments.

Are PayPal fees different for international transactions?+

Yes. International payments usually cost 4.4% + a fixed fee (which varies by currency). There may also be a 3–4% currency conversion fee if the sender pays in a different currency.

Can I avoid PayPal fees?+

You can avoid fees only for personal payments (Friends & Family) sent from a PayPal balance or bank account—but these offer no seller protection and shouldn’t be used for business.

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PayPal Fee Calculator: Estimate Fees Accurately in Seconds

Fee Breakdown