PayPal Fee Calculator 2026:
Know Exactly What You Keep
This free PayPal Fee Calculator helps sellers, freelancers, and businesses calculate their real profit after PayPal transaction fees, currency conversion charges, and fixed per-order costs.
Whether you accept PayPal for goods and services, invoices, or international payments — understanding your true net payout is essential before setting your prices.
PayPal deducts:
- Transaction fee (percentage of sale)
- Fixed fee per transaction (varies by currency)
- Currency conversion fee (if applicable)
- Additional fees for international payments
Why Calculating PayPal Fees Before Pricing Matters
Even a 3–4% deduction sounds small — until you do the maths at scale. If you process $5,000/month through PayPal at 3.49% + $0.49, your fees exceed $190 per month. That's $2,300+ per year leaving your business silently.
For freelancers, ecommerce sellers, and service providers, understanding your real PayPal payout before you price helps you:
- Set prices that protect your profit margin
- Decide whether to absorb or pass on fees to buyers
- Compare PayPal vs Stripe vs other processors for your volume
- Plan international pricing accurately
PayPal Fees by Transaction Type (2026)
| Transaction Type | US Rate | UK Rate | AU Rate |
|---|---|---|---|
| Goods & Services (standard) | 3.49% + $0.49 | 2.9% + £0.30 | 2.9% + A$0.30 |
| PayPal Checkout | 2.99% + $0.49 | 1.9% + £0.30 | 1.2% QR Code |
| Invoices | 3.49% + $0.49 | 2.9% + £0.30 | 2.9% + A$0.30 |
| Friends & Family (domestic) | Free (from balance) | Free (from balance) | Free (from balance) |
| International / cross-border | +1.5% surcharge | +1.29% EEA / +1.99% non-EEA | +1.0% (all countries) |
| Currency conversion | +3–4% spread | +3–4% spread | +3.0% spread |
Rates as of 2026. Always verify on PayPal's official fees page before making pricing decisions.
How This PayPal Fee Calculator Works
Our calculator uses PayPal's publicly available 2026 fee structure to estimate your real net payout. Here's how to use it:
- Select your transaction type — Goods & Services, Friends & Family, Invoice, or Checkout
- Enter your sale amount — the amount your buyer is paying
- Select your country — fees differ by country due to local regulations
- Select domestic or international — cross-border payments carry an additional surcharge
- Add your cost price (optional) — to see your net profit after both PayPal fees and product cost
- See your full breakdown instantly — total fees, what you receive, fee %, and net profit
PayPal Fee Calculators by Country (2026)
PayPal fees vary significantly by country. Select your location for exact local rates, worked examples, and a free calculator in your currency.
PayPal vs Stripe vs Square — Which Is Cheaper?
The right payment processor depends on your transaction volume, average order value, and customer location. Here's a quick comparison for US sellers:
| Processor | Standard Rate (US) | Best For |
|---|---|---|
| PayPal | 3.49% + $0.49 | Marketplaces, buyer trust, international |
| Stripe | 2.9% + $0.30 | SaaS, developers, subscriptions |
| Square | 2.6% + $0.10 (in-person) | Retail, in-person, small business |
| Stax | 0% + interchange (subscription) | High-volume merchants ($10k+/mo) |
For a detailed comparison, read our guide: Stripe vs PayPal Fees: Which Is Cheaper for Online Businesses?
Frequently Asked Questions — PayPal Fees 2026
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Compare your PayPal costs against other platforms:
Disclaimer: Fee calculations are estimates based on publicly available PayPal rates as of 2026. Always verify current fees at paypal.com before making business decisions. See our full disclaimer.