Payment Processing Fee Calculator
See exactly how much you keep after card or online payment fees, or set an invoice amount so you receive the exact net you want. 100% in your browser.
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Fee Structure & Amounts
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Fee Structure
Charged on the full amount the client pays.
e.g. $0.30 — leave 0 if none.
Your Amounts
Invoice amount before fees.
What you need to keep after fees.
Your Numbers
When you charge $1000.00?
Processing fee
2.9% + $0.30
$29.30
You receive
$970.70
To receive $1000.00 net
Charge your client
$1030.18
Processing fee
$30.18
This calculator provides estimation only. All results are for reference purposes only and do not constitute professional tax, financial, or legal advice. Please consult a qualified professional for official financial decisions.
Keep More of Every Invoice You Send
Fees Are a Cost of Doing Business—Until They Aren't
Card and online payment processing fees are easy to ignore because they never appear on your invoice—they are silently deducted before money reaches your account. A 2.9% plus $0.30 fee on every payment adds up fast for a freelancer sending many invoices a year. Knowing the exact figure on each payment is the first step to pricing around it.
Two Questions, One Calculator
The calculator answers both directions of the fee problem. Enter what you charge a client to see the processing fee and your net deposit. Or enter the net amount you need to keep, and it works backwards to the gross figure you should put on the invoice so the fee comes out of the client's payment instead of your margin.
Start from a Preset, Then Match Your Real Rate
Online cards, in-person terminals, cross-border payments and bank transfers each carry different fee curves. Pick the preset closest to your situation, then adjust the percentage and fixed fee to match your processor's statement. The numbers update live, so you can compare what different payment methods really cost you.
How to Use This Calculator
Choose a fee preset or enter your own percentage and fixed fee. Set the amount you charge your client to read your net deposit, and set the net you need to keep to read the gross invoice amount. Use the results when quoting projects so your pricing always covers collection costs.
Frequently Asked Questions
Answers to common questions about using this calculator.