ARDOTOOLS

Stripe Fee Calculator

Work out Stripe's cut on a payment: what lands in your account, and what to charge so you receive an exact amount. Free, runs in your browser.

Inputs

Result

Planning estimate only. Replace assumptions with your real costs, contracts, taxes, and market conditions.

How it works

  1. Start from Stripe's rate

    The fields open on 2.9% + $0.30, the US standard online card rate. Your dashboard is the authority — international cards, currency conversion and negotiated volume all move it.

  2. See what actually lands

    What the customer pays, minus the percentage and minus the fixed amount, is what reaches your balance.

  3. Or work backwards

    Enter what you need to receive and it tells you what to charge to net exactly that, fee included.

Who this is for

Pricing a product

Decide the sticker price knowing what survives the cut, rather than discovering it on the payout.

Invoicing an exact amount

When you have agreed to receive a specific sum, the gross-up is the number that goes on the invoice.

Small transactions

The fixed 30 cents dominates below about $10. This is where a percentage-only estimate is most wrong.

Comparing against PayPal

A different percentage with a different fixed fee can win or lose depending on your average order value. Run both — the PayPal fee calculator opens on PayPal's rate.

Questions

What does Stripe charge?
As of September 2026, Stripe's standard online card rate in the US is 2.9% + $0.30 per successful transaction, which is what this page starts with. Rates differ by country, card type and negotiated volume, and they change — take the figure from your own Stripe dashboard and enter it.
Why does the fixed 30 cents matter so much on small payments?
Because it does not shrink with the sale. On a $100 charge the fixed part is 0.3% of the total; on a $3 charge it is 10%. Percentage-only comparisons between processors hide this, which is why the tool asks for both parts separately.
Why is the charge-to-receive figure more than my target plus the fee?
Because the fee applies to the higher amount you are now charging, so it grows with the charge. Adding the fee to your target undershoots every time. Solving it properly means dividing rather than adding, which is what this does.
Why does it refuse to calculate at a 100% fee?
At 100% the processor takes the whole payment, so no charge amount nets your target. Above it, the arithmetic goes negative. The tool warns instead of printing a nonsense figure.
Does this account for refunds and chargebacks?
No. Refunded transactions often do not return the fixed fee, and chargebacks usually carry a separate charge. Both are worth checking in your own Stripe terms before pricing around them.
Is this tool affiliated with Stripe?
No. ArdoTools is independent and not connected to Stripe. The name is used because it is the processor most people are calculating for; the tool works with any rate you type in.