# PayPal Fee Calculator

URL: https://speedycalculator.com/calculators/finance/paypal-fee/
Last updated: 2026-10-25

> The PayPal fee calculator works out the PayPal fee on a payment you receive – goods and services, PayPal checkout, card payments or friends and family funded by card – including the international fee, how much you receive, and how much to ask for to receive a set amount.

## Inputs

- Transaction type
- Custom percentage (%)
- Custom fixed fee
- International payment?
- Amount

## Results

- Percentage fee
- Fixed fee
- PayPal fee
- You receive
- Ask for this to receive the amount

## Formula

```
Fee = amount × percentage + fixed fee (+ international %)
You receive = amount − fee
Amount to ask = (desired amount + fixed fee) ÷ (1 − percentage)
```

## Explanation

PayPal's U.S. fees are 2.99% + $0.49 for goods and services payments, 3.49% + $0.49 for PayPal Checkout, invoices and Pay with Venmo, and 2.29% + $0.09 for in-person QR code payments; an extra 1.5% applies to international payments. Rates change – check PayPal's fee page.

### How to use the PayPal Fee Calculator

- **Transaction type**
- **Custom percentage**
- **Custom fixed fee**
- **International payment?**
- **Amount**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Choose the transaction type, whether it is international, and enter the amount.

### Tips

- Know the difference between margin (profit ÷ price) and markup (profit ÷ cost).
- Apply successive discounts one after another – they do not simply add up.
- Check whether prices already include sales tax or VAT.
- Round prices only at the very end of the calculation.

### Common mistakes to avoid

- Adding discount percentages together.
- Pricing from a target margin using the markup formula.
- Forgetting payment-processing and shipping fees.

### Inputs explained

FieldWhat to enterTransaction typeChoose one: Goods and services payment (2.99% + $0.49), PayPal Checkout, invoicing or Venmo (3.49% + $0.49), QR code in person (2.29% + $0.09), Friends and family, funded by card (2.9% + $0.30) …Custom percentageIn %Custom fixed feeAmount in your currencyInternational payment?Choose one: No, YesAmountAmount in your currency

### What each result means

- **PayPal fee** = [Amount]×[Percentage fee]÷100 + [Fixed fee]
- **You receive** = [Amount] - [PayPal fee]
- **Ask for this to receive the amount** = ([Amount] + [Fixed fee])÷(1 - [Percentage fee]÷100)

### Example values

How the main result changes when **Custom percentage** changes and everything else stays at the example values above:

Custom percentage (%)You receive1.7596.522.6296.523.4996.524.3696.525.2496.526.9896.52

## Worked example

Inputs — Transaction type: Goods and services payment (2.99% + $0.49); Custom percentage: 3.49 %; Custom fixed fee: $0.49; International payment?: No; Amount: $100.

Results — Percentage fee = 2.99 %; Fixed fee = $0.49; PayPal fee = $3.48; **You receive = $96.52**; Ask for this to receive the amount = $103.59.

## FAQ

**How much does PayPal charge?**
For goods and services in the U.S., 2.99% + $0.49; PayPal Checkout is 3.49% + $0.49.

**Who pays the PayPal fee?**
The seller (recipient) for goods and services; the sender for card-funded personal payments.

**Are friends and family payments free?**
Yes when funded by a PayPal balance or bank account in the U.S.

**What formula does the PayPal Fee Calculator use?**
Fee = amount × percentage + fixed fee (+ international %).


## Sources

- [PayPal – Merchant fees](https://www.paypal.com/us/business/paypal-business-fees)