Does this cover every Stripe fee?

No. It does not model custom contracts, local payment methods, chargebacks, refunds, Radar add-ons, Connect platform pricing, or product-specific fees outside the standard online card flow.

When should I enable cross-border and currency conversion?

Enable cross-border when the payment is treated as international for your Stripe account. Enable currency conversion when Stripe also converts the charge currency, which can add another percentage fee.

Can I use this to work backward from a target payout?

Yes. Switch to target net mode, enter the amount you want to keep, and the calculator will estimate the gross amount you need to charge before Stripe fees.

Payment fee calculator

Stripe Fee Calculator: Estimate Stripe Fees and Net Payout

Estimate Stripe card fees, cross-border surcharges, and take-home amount for a U.S. Stripe account

Estimate Stripe card fees, optional international surcharges, and the final amount you keep with this free Stripe fee calculator.

This MVP uses Stripe standard online card pricing for U.S. accounts. Actual fees can still vary based on product mix, custom pricing, disputes, refunds, account country, or future Stripe policy changes.

Stripe calculator

Calculation mode

Amount charged to customer

Stripe account country

Add cross-border fee

Applies Stripe's extra cross-border fee for international card payments.

Add currency conversion fee

Use this when Stripe also converts the transaction currency for the payment.

Results

Gross amount$100.00

Total Stripe fees$3.20

Net amount$96.80

Effective fee rate3.2%

Stripe fee breakdown	USD
Standard card fee	$3.20
Cross-border fee	$0.00
Currency conversion fee	$0.00
Total Stripe fees	$3.20
Net amount	$96.80

Formula snapshot

This estimate uses an applied rate of 2.9% plus a fixed fee of $0.30. In gross-to-net mode, fee = gross x rate + fixed. In net-to-gross mode, gross = (target net + fixed) / (1 - rate).

Use the output as a planning estimate, then confirm the exact pricing that applies to your Stripe account before changing live pricing.

Treat this as a fee-planning tool, not a billing statement

Stripe pricing is straightforward for many businesses, but final charges can still depend on your account country, card mix, custom contract terms, and whether cross-border or currency conversion fees apply. Validate important pricing decisions against your current Stripe pricing page.

U.S. standard pricing only

This first version models Stripe standard online card pricing for U.S. accounts so the assumptions stay explicit and easier to verify.

Optional international surcharges

Cross-border and currency conversion costs are modeled as optional add-ons because they do not apply to every card payment.

When to use this Stripe fee calculator

Before setting a checkout price

Estimate how much Stripe will take from a planned price point before you publish or update a payment link.

Before quoting a payout target

Use target net mode when you know how much you want to keep and need to work backward to the amount you should charge.

Before accepting international payments

Compare domestic assumptions with cross-border and currency conversion surcharges so you can see how much margin they remove.

FAQ

This release uses Stripe standard online card pricing for U.S. accounts: 2.9% plus $0.30, with optional cross-border and currency conversion add-ons when those cases apply.