PayPal Goods and Services Fee Calculator (US)
Calculate the PayPal fee, your net payout, and the price that leaves you your target amount.
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The PayPal Goods and Services Fee Calculator (US) answers three practical questions for sellers: how much the transaction fee will be, how much you will earn from it, and what price to show the buyer so a specific amount remains after fees. Just enter three numbers.
- Amount — the transaction value. Default: 100.
- Rate % — the percentage fee rate. Default: 2.99.
- Fixed — the fixed transaction fee. Default: 0.49.
After each change, you see three results: Fee (how much the payment processor takes), You receive (your net amount), and Add to price (the price at which the entered amount remains after fees). Results are shown in US dollars, the currency for the market this tool covers.
The 2.99% and $0.49 rates are only the default values entered in the calculator. You can change them freely, calculate fees based on your own terms, and use any currency. All calculations run in your browser, so you do not need to send anything or create an account.
How to Calculate the PayPal Fee and Your Net Payout
The rule is simple: the fee is the amount times the percentage rate divided by 100 plus the fixed fee. The amount you receive is the transaction amount minus the fee. Look at the default values: $100.00, a 2.99% rate, and a $0.49 fixed fee.
- percentage portion of the fee: 100.00 × 2.99 ÷ 100 = $2.99,
- total fee: $2.99 + $0.49 = $3.48,
- your amount: $100.00 − $3.48 = $96.52.
For these numbers, the calculator shows a fee of $3.48 and $96.52 to receive. It is worth looking at the amount after fees, not just the listed price, because that is what really stays in your pocket.
Remember that 2.99% and $0.49 are approximate default values. Actual rates depend on the current pricing, market, and transaction type — check them before pricing a product and enter them in the calculator fields.
How to Set a Price So You Receive Your Target Amount After Fees
Adding the fee to the price is a common pricing mistake. If you add $3.48 to $100.00, the fee on the new, higher amount will not leave you exactly $100.00. You need to calculate the price in reverse: the amount plus the fixed fee, divided by 1 minus the percentage rate divided by 100.
- $100.00 + $0.49 = $100.49,
- 1 − 2.99 ÷ 100 = 0.9701,
- 100.49 ÷ 0.9701 = $103.59.
That value is the Add to price result, the gross price you can show the buyer. Check: on $103.59, the fee is 103.59 × 2.99 ÷ 100 + 0.49, or $3.10 + $0.49 = $3.59, and $103.59 − $3.59 = $100.00. That matches.
If you want a cushion for discounts and shipping costs, treat this result as a starting point and add your own margin.
What Determines PayPal Goods and Services Fees in the US
The transaction fee is not the same for everyone. Its size depends mainly on the market where you sell, the transaction type, the settlement currency, and how the buyer pays. The seller account type and individual terms agreed with the payment processor also matter.
That is why the calculator does not lock in rates. The Rate % and Fixed fields are editable, and the 2.99% and $0.49 values are only a default starting point for the US market. If you sell on Amazon, Etsy, eBay, Shopify, Vinted, or TikTok and accept PayPal payments, adjust the rates to your situation.
Pricing is sometimes updated, so before you set permanent prices, check the processor's current terms and compare them with what you have entered in the calculator.
Tool Limitations: International Transactions, Currency Conversion, Refunds, and Chargebacks
The calculator computes the basic fee using the rates you provide: percentage and fixed. This is a useful simplification for quick pricing, but it does not cover every cost that may appear in practice.
- International transactions — selling to a buyer in another country may involve additional fees that the tool does not add.
- Currency conversion — when a transaction is in one currency and the payout is in another, an exchange cost applies.
- Refunds and disputes — refunding funds, a dispute, or a chargeback may mean additional costs or loss of the transaction amount.
- Taxes — VAT, sales tax, and other government charges are not part of the calculation.
- Costs outside the fee — shipping, discounts, packaging, marketplace commissions, and advertising are not taken into account.
- Individual terms — negotiated rates, thresholds, and special pricing depend on your agreement.
The result is therefore an estimate and is best treated as a reference point. If you want to know the full cost of a transaction, add the remaining items manually. The fee itself, the net amount, and the price to add are calculated according to the rates you provide.
Frequently Asked Questions
How do I calculate the PayPal Goods and Services fee?
Multiply the transaction amount by the percentage rate and divide by 100, then add the fixed fee. For $100.00, a 2.99% rate, and a $0.49 fixed fee, this gives a $3.48 fee.
How much will I receive from $100 after PayPal fees?
With the default rates entered in the calculator, you receive $96.52. That is $100.00 minus the $3.48 fee.
What price should I set to receive $100 after fees?
Enter 100 as the amount and read the Add to price result. With the default rates, it comes to $103.59, the price that leaves exactly $100.00 after the fee.
Are the 2.99% and $0.49 rates current?
They are the default values entered in the tool, not a guarantee of current pricing. Check the rates for your market and enter them in the calculator fields.
Does the calculator work for currencies other than the dollar?
Yes. Results are shown in US dollars, but you can enter your own rates and calculate in any currency. Just make sure all amounts use the same currency.
Does the calculator account for refunds, chargebacks, and currency conversion?
No. It calculates the fee using the percentage and fixed rates, so refund, dispute, chargeback, and currency exchange costs must be added separately.
See also — related tools
PayPal rates are approximate; before using them, check PayPal's current pricing for your country and transaction type.