Free tool · US pricing
Stripe Fee Calculator
Enter your average transaction value and monthly volume to calculate Stripe fees instantly: fee split, monthly totals, blended effective rate, gross-up mode, custom rates, and what a subscriber base really costs per year.
Stripe fee examples
Standard US online card rate (2.9% + 30¢), domestic card, no currency conversion. Rates as of October 7, 2026.
| Amount | Stripe fee | Net payout | Effective rate | Charge to net this amount |
|---|---|---|---|---|
| $10.00 | $0.59 | $9.41 | 5.90% | $10.61 |
| $50.00 | $1.75 | $48.25 | 3.50% | $51.81 |
| $100.00 | $3.20 | $96.80 | 3.20% | $103.30 |
| $500.00 | $14.80 | $485.20 | 2.96% | $515.25 |
| $1,000.00 | $29.30 | $970.70 | 2.93% | $1,030.18 |
How Stripe fees work
Stripe prices every payment as a percentage of the amount plus a fixed fee: 2.9% + 30¢ for a standard US card paid online. A Stripe processing fee calculator exists because that little fixed fee makes the effective rate swing with ticket size: on a $10 charge the all-in cost is 5.9%, on a $500 charge it's barely 3%. This Stripe fees calculator shows the exact split, your net payout, and the effective rate for any amount:
Unlike single-rate tools, it also handles the cases that change the math: manually entered cards (+0.5%), in-person Terminal payments (2.7% + 5¢), international cards (+1.5%), currency conversion (+1%), ACH Direct Debit (0.8% capped at $5), custom negotiated rates, gross-up ("what do I charge to keep $X?"), and the one operators most often miss: recurring billing, where the fixed fee is paid on every renewal, twelve times a year, and Stripe Billing adds 0.7% of billing volume on pay-as-you-go.
fee = amount × percentage rate + fixed fee net payout = amount − fee
Stripe rates used by this calculator
| Payment method | Rate | Notes |
|---|---|---|
| Online card | 2.9% + 30¢ | Cards and wallets paid online. International cards and currency conversion are toggles below. |
| Manual entry | 3.4% + 30¢ | Manually entered (keyed) cards: 2.9% + 30¢ plus Stripe's 0.5% manual-entry surcharge. |
| In person | 2.7% + 5¢ | Stripe Terminal, domestic cards. Tap to Pay adds $0.10 per authorization (not included). |
| ACH debit | 0.8%, $5.00 cap | ACH Direct Debit: 0.8% capped at $5.00 per transaction. |
| Currency conversion | +1% | Adds Stripe's 1% fee when the charge has to be converted to another currency. |
| Stripe Billing (pay-as-you-go) | +0.7% | Adds 0.7% of Billing volume for Stripe's subscription and invoicing product, on top of processing. |
Rates as of October 7, 2026, from Stripe's published US pricing. International transactions add 1.5%.
How to calculate Stripe fees
- 1
Pick the payment method
Stripe's rate depends on how the customer pays — each method has its own percentage and fixed fee, shown in the rates table below.
- 2
Enter your average transaction value and monthly volume
Fixed fees apply to every transaction, so the calculator multiplies your average ticket size by your monthly transaction count — the fee split, monthly totals, and blended effective rate update live as you type.
- 3
Add surcharges or your own rates
Tick international card or currency conversion to add Stripe's published surcharges, or switch on custom rates to enter a negotiated or non-US percentage and fixed fee.
- 4
Flip to gross-up mode when you need to net an exact amount
Enter the amount you want to keep and the calculator returns what to charge so the fee is covered.
- 5
Check the recurring view for subscriptions
If the amount is a subscription price, the recurring view shows what Stripe fees cost per year on monthly versus annual billing. Tick Stripe Billing (pay-as-you-go) to include its 0.7% of billing volume.
Frequently asked questions
- How do I calculate Stripe fees?
- Stripe's standard US fee is a percentage of the transaction plus a fixed amount: 2.9% + 30¢ for domestic cards. To calculate Stripe fees on a payment, multiply the amount by 2.9% and add $0.30 — on a $100 charge that's $2.90 + $0.30 = $3.20, leaving a net payout of $96.80. This Stripe fee calculator does the math live, including manually entered cards, in-person payments, international cards, currency conversion, and ACH.
- What are Stripe's fees in the US?
- As published on Stripe's US pricing page (checked October 7, 2026): 2.9% + 30¢ per successful domestic card charge online, an extra 0.5% for manually entered cards, an extra 1.5% for international cards, plus 1% if currency conversion is required. In-person payments on Stripe Terminal are 2.7% + 5¢ for domestic cards, and ACH Direct Debit is 0.8% capped at $5.00. Custom pricing exists for large volume, but these are the standard self-serve rates.
- How much should I charge to receive $100 after Stripe fees?
- Use the gross-up mode: to net $100 on a domestic card you'd charge $103.30 — Stripe takes $3.30 and you keep $100.00. The general formula is (target + $0.30) ÷ (1 − 0.029), rounded up to the cent.
- How much do Stripe fees cost on a subscription?
- The fixed 30¢ is charged on every invoice, so billing monthly means paying it 12 times a year. A $29/month subscription costs $13.68 a year in Stripe processing fees; billed as one $348 annual charge it's $10.39. The recurring view in this calculator shows both, and the gap widens at lower price points.
- Does Stripe charge more for international cards?
- Yes. Cards issued outside the US add 1.5% on top of the standard rate, and if the charge needs currency conversion Stripe adds another 1%. An online international card with conversion costs 5.4% + 30¢, so a $100 charge pays $5.70. Tick "International transactions" and "Currency conversion" in the calculator to see the higher split.
- Does Stripe charge more for manually entered or in-person payments?
- Manually entered (keyed) cards add 0.5%, so they cost 3.4% + 30¢ online. In-person payments on Stripe Terminal cost less: 2.7% + 5¢ for domestic cards, with the same 1.5% surcharge for international cards. Pick "Manual entry" or "In person" as the payment method to compare.
- Can I calculate Stripe fees with my own negotiated rate?
- Yes. Switch on "Use custom rates" and enter your percentage and fixed fee, for example from a negotiated contract or Stripe pricing outside the US. The fields start at the standard rate for the selected payment method, and any surcharges you tick still apply on top.
- How much does Stripe Billing cost on top of processing fees?
- Stripe Billing on the pay-as-you-go plan is 0.7% of Billing volume, charged in addition to card or ACH processing fees. On a $29 monthly subscription that's about 20¢ per renewal. Tick the Stripe Billing box in the subscriber view to add it to the yearly totals.
- Does Stripe return processing fees when I refund a payment?
- No. When you refund a charge, the customer gets the full amount back but Stripe keeps the original processing fee, so a refunded sale still costs you the fee.
- Is this Stripe processing fee calculator free?
- Yes — no signup, no email wall. Everything is calculated in your browser from Stripe's published rates, and your inputs are saved only in your own browser's localStorage.
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