Free Stripe Fee Calculator (US, 2026): What You Keep
Stripe takes a percentage plus a fixed fee from each successful card payment. Enter an amount to see the fee, what you keep, and what you'd need to charge to receive the full amount.
It runs in your browser. Nothing you type is saved or sent anywhere. The numbers filled in below are a made-up example; change them to yours. The rate is filled in with Stripe's published US standard rate for domestic cards (2.9% + 30¢ as of Oct 2026). International cards, other payment methods and custom pricing cost differently, so change the rate to match your account.
How the math works
- Fee = amount × percent fee + fixed fee, rounded to the cent.
- To receive a set amount: charge = (amount + fixed fee) ÷ (1 − percent fee), then the lowest charge in cents that still leaves you the full amount.
- If you refund a payment, Stripe says the original processing fee isn't returned.
Example (made up): a $100 card payment at 2.9% + 30¢ costs $3.20 in fees, so you keep $96.80. To receive the full $100, you'd charge $103.30. On a $5 payment, the fee is $0.45, which is 9% of the sale.
Before adding a fee to what a customer pays, check Stripe's terms and your state's rules on card surcharges. Many sellers build the fee into their price instead. This is an estimate for planning, not tax or legal advice.
Track what each client actually paid
The Freelancer Invoice Tracker ($9) is a printable invoice plus a client and payment tracker in one spreadsheet: the invoice log marks each invoice Paid, Open or Overdue with days late and totals what each client has paid. It doesn't send invoices or take payments. Works in Excel and Google Sheets.
Get the spreadsheet on Gumroad – $9
This template is also in the Self-Employed & Small Business Bundle (what's inside): all 9 business tools for $29 (about $80 if bought one by one).
We make this template, so take that into account. The calculator above is free to use either way.
Related free guides
- How to Track Freelance Invoices So Clients Pay on Time
- Invoice Payment Terms Explained: Net 15, Net 30 and More
- How to Price a Product: Cost-Plus vs. Market Pricing
- How to Record Cash and Card Sales in Your Books
More free tools: all calculators.
See all Cedar & Ledger templates