Stripe Fee Calculator
Calculate Stripe processing fees for different payment methods in the U.S. market
Input Details
Results
Introduction to Stripe Fee Calculator
A Stripe Fee Calculator helps you quickly estimate processing fees when accepting payments through Stripe. Knowing these costs allows you to price correctly and maintain profit margins. This tool is essential for freelancers, eCommerce owners, and small businesses across the USA.
If you also manage finances or track ad performance, try our Profit First Calculator or ROAS Calculator for complete financial clarity.
What is a Stripe Fee Calculator?
Simply put, it’s a digital tool that calculates Stripe’s transaction fees based on your payment amount. It includes both fixed and percentage-based fees, giving you a clear idea of what portion of your payment goes to Stripe.
Why Use a Stripe Fee Calculator?
Using this calculator ensures you avoid surprises when receiving payments. It helps you price products or services correctly, maintain transparency, and prevent undercharging.
You can also pair it with tools like the Bookkeeping Services Pricing Calculator to align fees with your accounting workflow.
Understanding Stripe Fees
Stripe’s standard U.S. fee is 2.9% + $0.30 per transaction. However, rates may vary depending on card type, currency, or country.
Example:
A $100 payment = $3.20 in Stripe fees (2.9% of $100 + $0.30 fixed fee).
Formula:Stripe Fee = Fixed Fee + (Transaction Amount × Percentage Fee)
Fee Breakdown
Base Transaction Fees: 2.9% + $0.30 (domestic)
International Fees: +1% on foreign cards
Currency Conversion: +1% on currency exchanges
If you issue invoices, use the Invoice Due Date Calculator alongside this to better plan client payments and cash flow.
Using the Stripe Fee Calculator
Step-by-Step Guide
Enter your invoice amount.
Choose your currency and country.
Select your payment type (Card, ACH, or Wallet).
Click Calculate — the tool instantly shows your total Stripe fee and the amount you’ll receive.
You can even determine the “You Should Ask For” amount, ensuring that you cover all fees and still get your full intended payment.
Practical Fee Examples
| Transaction | Stripe Fee | Net Amount |
|---|---|---|
| $10 | $0.59 | $9.41 |
| $50 | $1.75 | $48.25 |
| $100 | $3.20 | $96.80 |
Managing Stripe Fees Effectively
Pass Fees to Customers: Add them to your product pricing.
Encourage ACH Payments: They have lower fees (≈0.8%, capped at $5).
Review Monthly: Track actual deductions against your calculator’s estimates.
For freelancers and service-based professionals, syncing with bookkeeping tools keeps finances accurate — the Bookkeeping Services Pricing Calculator complements this perfectly.
Global Stripe Fees Overview
| Region | Standard Fees | Notes |
|---|---|---|
| USA | 2.9% + $0.30 | Standard domestic rate |
| Canada | 2.9% + C$0.30 | Similar to U.S. rates |
| Europe | 1.4–2.9% + €0.25 | Lower for domestic cards |
| Asia-Pacific | 2–3.5% | Varies by region |
Extra Stripe Fees to Know
Dispute Fee: $15 per chargeback
3D Secure: Improves fraud protection, not fees
Invoicing Fee: 0.4–0.5% per paid invoice
Stripe Fee Calculator for Different Users
Freelancers & Solopreneurs: Quick cost estimates before quoting clients
Small Businesses: Predict total transaction costs
E-commerce Platforms: Analyze multi-seller payouts
SaaS Businesses: Manage recurring billing and subscription costs
Alternatives to Stripe
Compare Stripe with PayPal or Square using similar tools. For long-term financial planning, use the Dave Ramsey Retirement Calculator to balance income with future goals.
Frequently Asked Questions
Q1: What is the standard Stripe fee?
A: 2.9% + $0.30 per transaction (U.S. domestic).
Q2: Do fees vary by card type?
A: Yes, premium or corporate cards may have slightly higher rates.
Q3: Are Stripe fees negotiable?
A: Yes, for businesses processing large volumes monthly.
Q4: How do I calculate recurring billing fees?
A: Enter total recurring charges in the calculator.
Why Accurate Stripe Fee Calculation Matters
Every cent matters when running a business. Accurate fee calculations help maintain profitability and ensure pricing fairness. Regularly using a Stripe Fee Calculator prevents surprises and keeps your finances optimized.