/ Finance

PayPal Fee Calculator

What PayPal really takes.

PayPal takes a percentage plus a fixed fee on every payment: 3.49% + $0.49 on a US standard goods-and-services transaction as of 2025. Enter the amount you receive to see the fee and what you keep, or switch to "charge to receive" mode to gross the price up so your net lands on a target. Both the percent and fixed fields are editable, since rates change by country, currency, and account type.

How it is calculated

The fee, what you keep, and the gross-up that inverts it:

  • Fee = amount x percent / 100 + fixed
  • Net = amount - fee
  • Charge = (target + fixed) / (1 - percent / 100)

Worked examples

At PayPal's 3.49% + $0.49 US standard rate:

Amount received PayPal fee You keep
$25.00 $1.36 $23.64
$100.00 $3.98 $96.02
$500.00 $17.94 $482.06
$1,000.00 $35.39 $964.61

Rates as of 2025. PayPal fees vary by country, currency and account type; verify the current rate for your case.

Edit fee settings (default: 3.49% + $0.49)
PayPal fee $3.98 You keep $96.02

Questions people ask

How much does PayPal charge in fees?

For US goods-and-services payments, PayPal's standard rate is 3.49% of the amount plus a fixed $0.49 per transaction as of 2025. On a $100 payment that is $3.98 in fees, leaving you $96.02. The exact percentage and fixed fee change by country, currency, and account type, and micropayment or international rates differ, so confirm the rate that applies to your account.

How do I calculate PayPal fees?

Multiply the payment by the percentage rate, then add the fixed fee: fee = amount x 3.49% + $0.49. What you keep is the amount minus that fee. To work backwards from a target net, gross up the price with charge = (target + fixed) / (1 - percent / 100), so the fee comes out of the higher amount and your net still lands where you want.

Can I pass PayPal fees to my customer?

You can build the fee into the price so the buyer covers it, but you cannot just add 3.49% and 49 cents, because the fee also applies to the larger amount. Use the gross-up formula charge = (target + fixed) / (1 - percent / 100) instead. Some regions and PayPal's own terms limit surcharging, so check the rules for your market before you add a line item.