PayPal fee calculator
Estimate PayPal fees from the US tier (2.99% + $0.49), micropayment and QR tiers plus editable cross-border (+1.5%) and currency conversion (+4%) surcharges, with net payout and a target-amount solver.
Runs in your browserEvery computation happens in your browser — your data never leaves this device.
Payment details
Amounts are in US dollars; everything is computed in integer cents.
Editable rate table
Result
$96.52$100.00$2.99$0.00$0.00$0.49$0.00$3.483.48%$0.50$21.12What this tool does
- Know the payout before you accept: enter $100 and see what actually lands after 2.99% + $0.49, so you can agree on who absorbs the fee.
- Compare cross-border payments: a 1.5% surcharge plus about 4% for conversion moves the effective rate a lot — one tick shows the difference.
- Pick the right tier for small payments: below $10 the micropayment tier (5% + $0.10) is often cheaper, so switch tiers and compare.
- Quote from a target: need $100 net? Enter the target and get the amount you have to ask for.
Example
Input
Amount received $100.00, US standard tier 2.99% + $0.49, cross-border surcharge 1.5%, no currency conversion, other fixed fee $0.00, target net $5.00
Output
Tier fee $2.99, cross-border surcharge $1.50, fixed fee $0.49, total fees $4.98, effective rate 4.98%; net amount $95.02; break-even amount $0.52, amount needed for the $5.00 target $5.75
The fixed fee does not scale with the amount, so it dominates small payments. Cross-border and conversion can apply to the same payment, pushing the effective rate higher.
Frequently asked questions
What are PayPal’s US rates?
The common commercial transaction tier is 2.99% + $0.49; the micropayment tier is 5% + $0.10 (officially only for payments up to $10) and QR code payments are about 2.89% + $0.49. The defaults were compiled in 2026-10, are not real time, and should be replaced with the rates on your account.
How much does cross-border add?
Receiving from a buyer abroad usually adds about 1.5% on the international transaction, and more for some countries and currencies. It is modelled as an editable surcharge that is added to the tier rate when you tick the box.
How is the currency conversion fee charged?
When the payment currency differs from your settlement or withdrawal currency, PayPal applies a spread that usually works out to roughly 4%. The default here is 4%; if your statement says otherwise, edit the field.
How do I use the solved amount?
It is the amount that leaves exactly your target net, so treat it as a lower bound. Each fee rounds to the cent, so the net is not strictly monotonic — the tool verifies cent by cent around the analytic answer and takes the smallest workable value. Round up when you quote.
Why can small payments cost proportionally more?
The fixed fee is charged per payment regardless of size: on a $1 payment the $0.49 alone is 49%. For genuinely small amounts the micropayment tier (5% + $0.10) can be cheaper, but only if the payment really is $10 or less, otherwise the standard tier applies.
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