PayPal reverse fee calculator: net $100.00
To take home $100.00 with this PayPal fee assumption, invoice $104.12.
Adjust fee assumptions
Illustrative US PayPal Checkout rate; payment product and country change pricing. View fee source ↗
$4.12 in total fees · 3.96% effective rate
See what you keep elsewhere.
Modeled spread: $20.82. 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 | $104.12 | |
| WiseCustom estimate | 0.6% + $0.00 | $0.62 | $103.50 | |
| Stripe | 2.9% + $0.30 | $3.32 | $100.80 | |
| PayPal | 3.49% + $0.49 | $4.12 | $100.00 | |
| Payoneer | 3.99% + $0.49 | $4.64 | $99.48 | |
| Upwork | 10% + $0.00 | $10.41 | $93.71 | |
| Freelancer.com | 10% + $0.00 | $10.41 | $93.71 | |
| Fiverr | 20% + $0.00 | $20.82 | $83.30 |
What these numbers mean for you
The calculation applies 0% in platform charges and 3.49% in payment processing, with $0.49 in fixed charges. Illustrative US PayPal Checkout rate; payment product and country change pricing. Percentage fees are calculated on the full modeled receipt before costs are deducted. Each displayed fee is rounded to cents so the breakdown reconciles with the result.
To take home $100.00 with this PayPal fee assumption, invoice $104.12. This scenario isolates one transaction in US dollars so you can distinguish revenue from spendable income. The result is a planning estimate rather than a settlement promise; your account agreement and country determine the actual deductions.
For a $100.00 take-home target, the modeled reverse invoice is $104.12. Divide the target plus fixed fees by one minus the combined decimal rate, then check cent rounding and minimum charges. Adding a percentage to the target understates the required invoice because fees also apply to the added amount.
Compare PayPal with Upwork before choosing a channel. A lower headline percentage does not automatically deliver the best business outcome: customer acquisition, payment protection, dispute handling and conversion can justify a higher deduction. At $100.00, a single percentage point changes the pre-rounding result by $1.00. Use that sensitivity to evaluate a realistic quote instead of assuming every provider supplies the same service.
Common questions
What does this PayPal $100.00 estimate include?
To take home $100.00 with this PayPal fee assumption, invoice $104.12. Illustrative US PayPal Checkout rate; payment product and country change pricing.
Can I change the $100.00 scenario?
Yes. Edit any calculator input. Values are stored in the URL, so the share link preserves your assumptions. Export the breakdown as CSV for your own records.
How do I cover PayPal fees in my quote?
Use reverse mode. With these defaults, a $100.00 target requires $104.12. Check your agreement before passing costs to customers.