PayPal Fee Calculator
Calculate PayPal fees and the gross-up amount to charge so you receive exactly what you need after fees.
PayPal rates change periodically. Always verify current rates at paypal.com before sending invoices.
Calculator
Results update as you type
Formula
The math behind the result
Fee = amount × 3.49% + $0.49
To receive X: charge = (X + $0.49) ÷ (1 − 0.0349)
Standard rate for goods & services. International adds ~1.5%.
How it works
A clean flow from input to answer
- 1Choose your mode: 'I'm charging' to see what you keep, or 'I want to receive' to gross up the charge.
- 2Select the fee type: standard goods/services, friends & family (free domestic), or international.
- 3Enter your amount and instantly see the fee, what to charge, and what you'll receive.
FAQ
Common questions
What is PayPal's current fee for goods and services?
As of 2024–2025, PayPal charges 3.49% + $0.49 per transaction for domestic goods and services payments. Rates vary by account type and region.
Are Friends & Family payments really free?
Yes, domestic Friends & Family (F&F) transfers are free when funded by a PayPal balance or bank account. Using a card adds a fee. Note: F&F payments have no buyer protection.
How do I avoid paying the PayPal fee myself?
Use the gross-up mode: enter the amount you want to receive, and the calculator shows what to charge so the fee comes out of the buyer's payment.
Does PayPal charge a fee to receive money?
For personal transfers (F&F), receiving is free. For goods and services, the seller (receiver) pays the fee. You can gross up your invoice to pass the fee to the buyer.
What's the difference between PayPal and Stripe fees?
PayPal standard rate is 3.49% + $0.49 per transaction. Stripe charges 2.9% + $0.30. For small transactions, the fixed portion matters more — use both calculators to compare.