Yearly fee loss calculator
Enter your monthly invoice volume, the number of payments and the rate you pay, and see what processor fees add up to over a year. The result comes only from the numbers you enter.
The fixed fee is charged on every payment, so more and smaller payments cost more.
US business rates checked 2026-10-19 on the providers' own pages (see Sources). PayPal adds a 3.00% or 4.00% conversion spread when it converts currency and Stripe adds 1%: enter that in "Conversion / extra". For any other provider or rate, type your own numbers.
At these inputs the fees come to $2,099.88 a year.
Want to see what other routes would cost on the same amount? Compare PayPal, Wise, Payoneer and a bank transfer →
USDT is another route with its own costs: PayPal vs USDT →
How this works
The yearly fee is computed as: (Monthly volume x (Fee rate + Conversion / extra) / 100 + Payments per month x Fixed fee) x 12. The volume is split evenly across the payments you enter, and every month is assumed to be the same.
The calculator does not compare your fees with any other route and does not include taxes, refunds, disputes or withdrawal fees. For the fee on one payment use the PayPal calculator or the Stripe calculator.
Preset rates
| Preset | Rate | Source |
|---|---|---|
| PayPal Checkout, US business, US dollars | 3.49% + $0.49 | PayPal US business fees |
| PayPal Checkout, international | 3.49% + 1.50% = 4.99% + $0.49 | PayPal US business fees |
| PayPal standard credit or debit card | 2.99% + $0.49 | PayPal US business fees |
| Stripe domestic card, standard US pricing | 2.9% + 30¢ | Stripe pricing |
| Stripe international card | 2.9% + 1.5% = 4.4% + 30¢ | Stripe pricing |
Related tools
- PayPal fee calculator — per-transaction
- Stripe fee calculator
- Reverse fee calculator — invoice the right amount
- PayPal vs USDT — full comparison
Sources
- PayPal: Business fees, United States. Page text "Last Updated: October 1, 2026". Checked 2026-10-19.
- Stripe: Pricing and fees, United States version, standard pricing. No update date on the page. Checked 2026-10-19.
RealFeeCalc is an independent project and is not affiliated with PayPal or Stripe. Fees change: confirm the figures on the provider's page before you rely on them.