How Much Should I Charge?

The calculator uses the formula: charge = (desired + fixedFee) ÷ (1 − percentFee). This gives the exact gross amount to invoice so that after the processor deducts its percentage and fixed fees, you receive precisely what you entered.

Because the fee is calculated on the charge amount, not on your desired net. If you want $100 and add 2.9%, you'd charge $102.90 — but the fee on $102.90 is $3.28, leaving you with only $99.62. The correct charge is $103.19. The circular dependency requires algebraic inversion.

It depends on the transaction size and type. Wise tends to be cheapest for large international bank transfers due to its low percentage fee. For small domestic card payments, PayPal's lower fixed fee can win. Use the example table below to compare across common amounts.

In many jurisdictions you can add a surcharge, but card network rules and local laws vary. The safest approach is to build the fee into your quoted price using reverse calculation — your invoice total already covers the fee, with no surcharge line required.

Yes. Use the Rate Type dropdown to select the rate that matches your transaction — domestic card, international card, ACH, and others depending on the processor. The calculation updates instantly for each rate.

Yes. The URL updates automatically as you type, encoding the amount, processor, and rate type as query parameters. Copy the address bar to share the exact calculation with a client or colleague.