RealFeeCalc Save on fees →

Stop losing money to payment fees.

Free calculator for PayPal, Stripe, Upwork, Fiverr and crypto. See the exact fee, the net you'll receive, and the reverse fee (how much to invoice). Used by freelancers, sellers and SaaS teams.

⭐ 4.9/5 · 800+ freelancers 🔒 No signup · 100% private ⚡ < 1s results 🌍 Used in 120+ countries
2.9%+$0.30PayPal US fee
4.4%+$0.30PayPal International
~0.1%USDT on Bybit
UP TO 99% LOWER FEES · APRIL 2026
Freelancers switch to USDT — and keep the fees.

Open a free Bybit account in 2 minutes, receive payments in stablecoins (USDT), withdraw to your bank. No 2.9% PayPal tax. Code B43BYNM auto-applies for the current sign-up bonus.

Open Bybit Account →

All calculators

Pick the one that matches your processor or marketplace.

MOST POPULARPayPal fee calculator2.9% + $0.30 (US) · 4.4% + $0.30 (intl) PROCESSORStripe fee calculator2.9% + $0.30 · online cards INVOICE MATHReverse fee calculatorHow much to charge to receive $X MARKETPLACEFreelance fee calculatorUpwork 10% · Fiverr 20% · others LOW FEESCrypto fee calculatorUSDT · BTC · ETH · exchange fees COMPAREPayPal vs USDT on BybitSee the exact monthly savings

How much freelancers lose every year

A typical freelancer invoicing $5,000/month loses $1,740/year to PayPal alone.

PayPal US2.9% + $0.30
-$145/mo
PayPal Intl4.4% + $0.30
-$220/mo
Stripe2.9% + $0.30
-$145/mo
USDT on Bybit~0.1%
-$5/mo

That's why many freelancers set up a Bybit account, accept USDT from clients and withdraw to their bank at the rate they choose. Open a free account →

Read next

Practical guides on keeping more of what you earn.

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FAQ

How do I calculate PayPal or Stripe fees?
Fee = Amount × (Rate/100) + Fixed. Net = Amount − Fee. Enter the rate that matches your country and plan.
What is a reverse fee?
If you need to receive exactly $X after fees, invoice (X + fixed) / (1 − rate). Our calculator shows this as "Ask for".
Is the calculator free and private?
Yes. No account, no login. Everything runs in your browser.
Why compare with USDT / Bybit?
Stablecoin transfer fees are typically 0.1% or less, vs 2.9%-4.4% for PayPal. Over a year this is hundreds to thousands of dollars per freelancer.
Is receiving USDT legal?
In most countries yes — you report it as income. Check local rules; this is not financial advice.
READY TO KEEP MORE OF WHAT YOU EARN?

Open a free Bybit account and stop paying the PayPal tax.

Takes 2 minutes · No card needed · Referral bonus on first deposit.

BYBIT REFERRAL CODE
B43BYNM

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Click the code above to copy. Or use our direct signup link — code pre-filled.

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