PayPal Fee Calculator

Estimate transaction fees for sending or receiving payments.

Amount you want to receive / Bill amount
e.g., 2.99 for standard US commercial
e.g., 0.49 USD

Enter amount and fee details.

PayPal fees vary by country, currency, transaction type (commercial, personal, international), and account type. These are estimates based on the rates entered. Always check PayPal's official fee schedule for your specific situation.

Understanding PayPal Transaction Fees

PayPal is a convenient way to send and receive money, but commercial transactions typically involve fees, usually paid by the recipient (seller). Understanding these fees is crucial for accurate pricing and financial tracking.

This calculator helps estimate the fees based on common percentage + fixed fee structures. It can calculate either:

  • How much the recipient will actually receive after fees are deducted from a specific payment amount.
  • How much the sender needs to send for the recipient to receive a specific target amount after fees.

How to Use

  1. Select Calculation Type:** Choose whether you're calculating based on the amount being sent/billed ("Receiving Payment") or the amount you want the recipient to net ("Sending Payment").
  2. Enter Amount:** Input the relevant amount (the gross amount sent/billed, or the net amount desired).
  3. Enter Fee Rates:** Input the applicable percentage fee and fixed fee per transaction for your region/account type (defaults are common US rates, but **verify these**).
  4. Click Calculate:** See the estimated fee and resulting amounts.

Common Fee Structure

PayPal fees often consist of:

Fee = (Amount * Percentage Rate / 100) + Fixed Fee

Calculation Scenarios

  • Calculating Net Received:** When you know the gross amount sent/billed, the calculator deducts the calculated fee from that amount.
  • Calculating Amount to Send:** When you know the net amount the recipient *should* receive, the calculator works backward to determine the gross amount the sender needs to send to cover both the net amount and the fees incurred on that gross amount. Formula is roughly: `AmountToSend = (DesiredNetAmount + FixedFee) / (1 - (PercentageRate / 100))`

Disclaimer

PayPal's fee structure is complex and varies significantly based on country, currency conversions, transaction type (Goods & Services vs. Friends & Family), cross-border status, and volume discounts. **This calculator provides an estimate based *only* on the rates you enter.** Always consult PayPal's official website for the most accurate and up-to-date fee information applicable to your specific transaction.