Stripe Fee Calculator - Net Payout After Processing Fees

Calculate Stripe Fees and Net Payout

The Stripe Fee Calculator shows the total processing cost of any Stripe payment and how much revenue you actually keep. Enter an amount, choose a payment method, and instantly see the percentage fee, the fixed per-transaction fee, any international or currency surcharge, your effective rate, and your net payout.

Covers 7 Stripe payment methods with current US pricing pre-loaded: domestic cards, international cards, currency conversion, ACH Direct Debit, ACH Credit, Link wallet, and Tap to Pay / Terminal.

Private by design: every calculation runs locally in your browser — no amounts or figures are sent to a server.

Who It Helps

E-commerce Stores

Price products with the real cost of card processing built in, so margins stay predictable.

SaaS & Subscriptions

Model recurring revenue accurately by accounting for Stripe's percentage and fixed fees on every charge.

High-Ticket Sellers

Compare card fees against ACH Direct Debit to find the cheapest method for large transactions.

How to Calculate Stripe Fees

Enter the Amount

Type the transaction amount into the field. Results recalculate instantly as you type — there is no submit button.

Choose the Payment Method

Pick a method such as Domestic Card, International + Currency Conversion, ACH Direct Debit, or Tap to Pay. The matching Stripe rate loads automatically.

Adjust Rates if Needed

Open Fee Settings to override the processing percentage, fixed fee, or international surcharge for non-US accounts or custom Stripe pricing.

Read the Results

Review You Receive, total fees, effective rate, and the Ask For amount — the price to charge so your net equals your target.

Compare methods before you charge. On a large invoice, ACH Direct Debit (0.8%) can cost far less than a 2.9% card fee — switch the payment method to see the difference instantly.

Features & Stripe Rates

Pre-Loaded US Rates

Each payment method ships with Stripe's published US pricing so you can calculate without checking the docs. Every value stays editable in Fee Settings.

Payment Method	Processing	Fixed Fee	Extra
Domestic — Card	2.90%	$0.30	—
International — Card	2.90%	$0.30	+1.50%
International + Currency Conversion	2.90%	$0.30	+2.50%
ACH Direct Debit	0.80%	$0.00	—
ACH Credit Transfer	0%	$1.00	—
Link (Stripe Wallet)	2.90%	$0.30	—
Tap to Pay / Terminal	2.70%	$0.05	—

What the Calculator Shows

Net Payout & Total Fees

See the exact amount you keep and what Stripe takes, broken down line by line.

You Receive (net amount)
Total fees deducted
Effective fee rate
Visual fees vs. payout breakdown

Reverse "Ask For" Amount

Work backward from your target payout to the price you should charge so fees are fully covered.

Charge the right total
Keep your full target amount
No margin lost to fees

Cross-Border & Custom Adjustments

International & Conversion

Stripe adds 1.5% for international cards, plus another 1% when currency conversion is needed.

ACH & Bank Methods

ACH Direct Debit at 0.8% and ACH Credit at a flat $1.00 are ideal for large, low-fee transfers.

Editable Rates

Override any percentage, fixed, or extra fee to match your region or negotiated Stripe pricing.

ACH cap not modeled. Stripe caps its 0.8% ACH Direct Debit fee at $5.00 per transaction in real life. This calculator applies the flat 0.8% rate, so on very large ACH amounts the actual Stripe fee may be lower than shown.

Stripe Fee Questions

What is Stripe's standard processing fee?

Stripe charges 2.9% + $0.30 per successful domestic card transaction. This applies to all major credit and debit cards processed through Stripe's standard integration.

How much extra does Stripe charge for international cards?

International cards (issued outside your country) add 1.5% on top of the standard rate. If currency conversion is also required, an additional 1.0% applies, making the total surcharge 2.5% for international payments with conversion.

What is Stripe ACH Direct Debit pricing?

ACH Direct Debit is charged at 0.8%, far cheaper than cards on large amounts (Stripe caps this fee at $5 per transaction in practice — a cap this calculator does not apply). ACH Credit Transfers have no Stripe percentage fee but a flat $1.00 cost; bank-originated fees may also apply.

What is Stripe Tap to Pay pricing?

In-person Tap to Pay and Terminal payments are charged at 2.7% + $0.05 — lower than the online card rate, reflecting the reduced fraud risk of card-present transactions.

How do I calculate what to charge to receive an exact amount?

Use the Ask For figure. It runs the math in reverse: enter the amount you want to keep, and it tells you the price to charge so that, after Stripe's percentage and fixed fees, your net payout equals that target.

Are these rates accurate for my country?

The pre-loaded values reflect Stripe's published US pricing. Fees vary by country, currency, and account agreement. Open Fee Settings to enter your local processing percentage, fixed fee, and surcharge, and always confirm against your Stripe dashboard.