The Stripe fee calculator shows exactly what you receive after Stripe processing fees for any transaction amount. Also calculates the price to charge customers if you want to pass fees through.
Number of similar transactions per month
Calculate what to charge to net this amount
How to Calculate Stripe Processing Fees
Stripe's standard US rate is 2.9% + $0.30 per transaction. For a $100 sale, the fee is $3.20 and you receive $96.80. This calculator also shows you what to charge if you want to pass fees through to customers.
Passing Stripe Fees to Customers
The formula to charge customers while netting your target: (desired_amount + 0.30) / (1 - 0.029). To net $500: ($500 + $0.30) / 0.971 = $515.24. Don't just add 2.9% — that undercharges by the fixed fee component.
When ACH Saves Money
Stripe ACH charges 0.8% capped at $5. For transactions above $172, ACH is cheaper than cards (2.9% + $0.30). For recurring B2B payments over $500, switching customers to ACH saves 80-85% on processing fees.
FAQ
What is Stripe's current fee?
Stripe charges 2.9% + $0.30 per successful card transaction for standard US cards. International cards: +1.5%. American Express: same 2.9% + $0.30. Manual card entry: +0.5%. ACH direct debit: 0.8% capped at $5.
How do I charge enough to cover Stripe fees?
To receive exactly $100 after fees, charge: $100 + $0.30 ÷ (1 - 0.029) = $103.40. The formula: desired_amount + $0.30 ÷ (1 - 0.029). Never just add 2.9% — that doesn't account for the fixed $0.30 component correctly.
Does Stripe charge monthly fees?
No monthly fees for standard Stripe. Pay-as-you-go pricing only. Stripe Radar (fraud prevention) is $0.05/transaction. Stripe Billing (subscriptions) is 0.5-0.8% of managed revenue.
Is this calculator free?
Yes, completely free with no signup.