Stripe Fee & Reverse Net Payout Calculator
Calculate Stripe processing fees forward from a charge amount, or reverse-solve the exact amount to charge so you net a specific payout.
$96.80 net payout
Effective rate 2.9% — fee $3.20.
| Metric | Value |
|---|---|
| Effective rate | 2.9% |
| Charge amount | $100.00 |
| Fee amount | $3.20 |
| Net payout | $96.80 |
Why surcharges add instead of compounding
International cards add 1.5% and currency conversion adds another 1% on top of Stripe's standard 2.9% base rate — both stack by simple addition (2.9% + 1.5% + 1% = 5.4%), not as separate fees calculated on top of each other's dollar amount. A worst-case international, currency-converted charge runs the full 5.4% plus the flat $0.30, not a compounded, higher effective rate.
Why "add the fee percentage" undercharges when reverse-solving
Sellers who need to net an exact amount often try to shortcut the math by adding the fee percentage directly to the target net amount — that undercharges, because Stripe's fee is a percentage of the full charge, not of the smaller net amount. The correct algebra solves charge = (target net + fixed fee) ÷ (1 − rate), which is exactly what this tool's reverse mode does instead of the shortcut.
What this tool doesn't cover
This models Stripe's standard online card-payment pricing only. ACH transfers, wire payments, buy-now-pay-later methods, and negotiated custom-volume pricing all use different rate structures Stripe prices separately — check your own Stripe dashboard for your actual rate if you're not on standard pay-as-you-go card pricing.
How to use this calculator
- Choose forward mode (from a charge) or reverse mode (to a target net payout).
- Enter the amount, and toggle international card or currency conversion if they apply.
- See the effective rate, fee amount, and either net payout or required charge.
- Surcharges add, they don't compound
- International and currency-conversion surcharges are added directly to the base percentage (e.g. 2.9% + 1.5% + 1% = 5.4%), not applied as separate multiplicative fees.
- Standard card payments only
- This models Stripe's standard online card-payment pricing. ACH, wire, in-person and other payment methods use different rate structures not covered here.
Questions
Why is my actual payout lower than sale price minus 2.9%?
Two things compound on an international sale: the international-card surcharge (+1.5%) and, if you're charging in a currency different from your Stripe account's settlement currency, a currency-conversion surcharge (+1%) — both add directly to the base rate, not to each other's dollar amount. A domestic 2.9% + $0.30 charge can become 5.4% + $0.30 on an international sale that also converts currency.
If I want to net exactly $100, why can't I just charge $102.90 (adding 2.9%)?
Because the fee is a percentage of the charge, not of the net amount — charging $102.90 nets you $102.90 × 0.971 − $0.30 = $99.61, not $100. The math has to solve the other direction: charge = (target net + fixed fee) ÷ (1 − rate), which is exactly what this tool's reverse mode does.
Does the fixed $0.30 fee change for international or currency-converted charges?
No — Stripe's fixed per-transaction fee stays the same regardless of card origin or currency conversion; only the percentage rate changes. This tool keeps the fixed fee as its own editable field, separate from the percentage-based surcharges, to match that structure.
Are these the same rates for Stripe's other pricing plans?
This models Stripe's standard pay-as-you-go pricing. Custom/negotiated pricing (common at higher processing volumes) and non-card payment methods (ACH, wire, buy-now-pay-later) use different rate structures this tool doesn't cover — check your own Stripe dashboard for your actual negotiated rate if you're on a custom plan.
Sources
- Stripe Fees Explained: Every Rate and Cost (2026) — Checkout Page (reviewed 2026-09-26)