How to price so you keep $X after fees
Payment processors take a percent plus a fixed fee on each charge. If you need a specific net in your bank account, divide by (1 − percent) only after adding the fixed fee back in—or use a reverse calculator so rounding matches real payouts. For a longer walkthrough with Stripe US/UK and PayPal Checkout examples, see the what to charge after fees guide.
How the fee is calculated
Target net = N. With percent p and fixed fee f, gross charge ≈ (N + f) ÷ (1 − p), rounded up to the cent on this site so forward fees never leave you short.
Example mindset: keeping $100 after Stripe’s 2.9% + $0.30 is not $100 ÷ 0.971—you need the fixed $0.30 in the numerator too.
Reverse calculators
FAQ
- Are my numbers sent to a server?
- No. The math runs in your browser and nothing typed is uploaded or stored.
- What is a reverse fee calculator?
- You enter the net amount you want after processing fees. The tool grosses up to the charge amount using the processor’s published percent and fixed fee.
- Which reverse tools are available?
- Stripe, Square, and PayPal each have a reverse page (/stripe/reverse, /square/reverse, /paypal/reverse). PayPal reverse supports multiple payment types; Stripe UK has /stripe-uk/reverse in GBP.
- Why not just add a flat percent markup?
- Fixed fees (like $0.30 or $0.49) mean the gross-up is not a simple markup. Reverse math solves charge = (net + fixed) ÷ (1 − percent), with rounding rules.