Freelance & payment fee calculator
Calculate your payout or reverse an invoice across eight platforms.
Your numbersUSD · US assumptions
Adjust fee assumptions
US domestic online cards. International cards and currency conversion cost extra. View fee source ↗
YOUR ESTIMATED TAKE-HOMELive
$970.70
$29.30 in total fees · 2.93% effective rate
You keep Fees
Gross invoice$1,000.00
Platform service fee−$0.00
Payment processing−$29.30
Currency conversion−$0.00
Net payout$970.70
Every deduction accounted for. No surprise arithmetic.
THE SAME INVOICE. DIFFERENT OUTCOMES.
See what you keep elsewhere.
Modeled spread: $200.00. Defaults below exclude FX and custom overrides. Negotiated-rate assumptions are not like-for-like quotes.
| Fee assumption | Fees | You keep | ||
|---|---|---|---|---|
| ToptalCustom estimate | 0% + $0.00 | $0.00 | $1,000.00 | |
| WiseCustom estimate | 0.6% + $0.00 | $6.00 | $994.00 | |
| Stripe | 2.9% + $0.30 | $29.30 | $970.70 | |
| PayPal | 3.49% + $0.49 | $35.39 | $964.61 | |
| Payoneer | 3.99% + $0.49 | $40.39 | $959.61 | |
| Upwork | 10% + $0.00 | $100.00 | $900.00 | |
| Freelancer.com | 10% + $0.00 | $100.00 | $900.00 | |
| Fiverr | 20% + $0.00 | $200.00 | $800.00 |
03 / LOOK PAST THE HEADLINESmall percentages.
Small percentages.
Real money.
Platform fees cost more than the headline percentage. A fixed 30¢ is 3% of a $10 payment, but just 0.03% of a $1,000 invoice. Your transaction size matters.
Marketplace fees often include shipping in the fee base. Collecting $5 for delivery doesn’t mean you have $5 left to pay the carrier.
How we calculateTHE REVERSE-INVOICE FORMULA
Gross invoice =
(Target net + fixed fees)
÷ (1 − percentage rate)
(Target net + fixed fees)
÷ (1 − percentage rate)
To keep $1,000 at 2.9% + $0.30, invoice $1,030.17. Simply adding 2.9% won’t cover the fee on the extra amount.
Minimum fees and cent rounding are handled by the calculator.