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Stripe Fee Calculator

Fee and net received, or what to charge to net an exact amount.

100% FreeRuns instantlyNo watermark
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  1. 1Enter detailsAdd the numbers for your scenario.
  2. 2CalculateVootkit updates the result instantly.
  3. 3ReviewCheck totals, notes and breakdowns.
Private by designProcessed on your device where possible.
Works on any deviceDesktop, tablet and mobile browsers.
No installationOpen the page and start working.
Always free coreUse the free plan for everyday tasks.

How to use Stripe Fee Calculator

Enter details

Add the numbers for your scenario.

01
Calculate

Vootkit updates the result instantly.

02
Review

Check totals, notes and breakdowns.

03
Use result

Copy the answer into your workflow.

04

Your files stay private

Your work is processed locally in your browser where possible and is never added to a Vootkit upload library.

Learn more about privacy
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Payment fees have a percentage and a fixed component, and the fixed part is what makes small transactions disproportionately expensive. On a £3 sale, 30p is a tenth of the money.

What Stripe Fee Calculator does

Works out the fee and what you receive on a payment — or reverses it, telling you what to charge in order to receive a specific amount.

The reverse mode is not a simple addition. Adding the fee to the price increases the fee, so the correct figure requires solving for it — which is why manually adding 2.9% always leaves you slightly short.

How the fee behaves

StructureA percentage plus a fixed amount per transaction
Common default2.9% + 0.30 — adjust to your actual rate
Effect on small paymentsA 5.00 charge loses roughly 9% to fees
Effect on large paymentsThe fixed part becomes negligible
Reverse calculationCharge = (target + fixed) ÷ (1 − rate)
Why adding the % failsRaising the price raises the fee too
Not includedCurrency conversion, chargebacks, payout fees

Detailed steps

  1. Enter the amount.
  2. Check the fee percentage and fixed fee against your actual account — rates differ by country, card type and plan.
  3. Choose whether you want the fee on a given charge, or the charge needed to net a given amount.

Worth knowing

The fixed fee is what makes micro-transactions uneconomic. At 2.9% + 0.30, a £2 sale loses 18% and a £200 sale loses 3.1%. If you sell low-value items, bundling them or setting a minimum order is usually more effective than negotiating the percentage.

Frequently Asked Questions

Why can I not just add 2.9% to cover the fee?

Because the fee is charged on the higher amount you now have. Adding 2.9% to 100 gives 102.90, and the fee on that is more than the 2.90 you added — so you still come up short. The reverse mode solves it properly.

Are the default rates correct for me?

They are a common published starting point, not your rate. Actual pricing varies by country, card type, international cards and negotiated volume terms. Take the numbers from your own dashboard.

Should I pass fees on to customers?

It is legal in many places and restricted in some, particularly for card surcharges. Beyond legality it is a pricing decision — most businesses build fees into the headline price rather than adding them visibly at checkout.

What is not included here?

Currency conversion margins, chargeback fees, payout or instant-transfer fees, and any subscription cost of the plan. On international sales the conversion margin often exceeds the transaction fee itself.

Is Stripe Fee Calculator free?

Yes. The Vootkit free plan includes 5 tool runs a day. Upgrade to Vootkit Pro for unlimited daily use, an ad-free workspace and saved workflows.

Are my files uploaded?

No. Stripe Fee Calculator runs entirely in your browser — your file is processed on your own device and never sent to a server. There is nothing for us to store or delete.

Do I need to install anything?

No. Stripe Fee Calculator works in any modern browser on desktop, tablet or phone. Open the page and start.

How often can I use it? Is there a daily limit?

On the free plan you get 5 tool runs a day. When you reach the limit you'll see a prompt to upgrade, and it resets the next day. Vootkit Pro removes the cap entirely for unlimited daily use.

This tool processes everything locally in your browser. You can disconnect from the internet after the page loads and it will still work.