PayPal Fee Calculator for United States
Estimate how much you may receive after PayPal-style payment fees, international surcharges, currency conversion, and optional custom fee adjustments. Inputs stay in your browser and are not sent to a server.
United States currency and assumptions
US sellers often need to separate platform fees from sales tax handling, shipping charges, and advertising spend when checking margin.
US pages use USD. Sales tax treatment can depend on marketplace collection rules and state-level requirements.
How seller fees are usually calculated
Payment processors commonly combine a percentage fee with a fixed fee.
International payments and currency conversion can add separate charges.
Account-specific pricing, card type, disputes, refunds, and subscriptions can change the actual fee.
Formula explanation
Amount received = customer pays + shipping charged - payment fees - selected tax or conversion deductions. Net profit = amount received - product cost - shipping cost - ad cost.
Reverse fee mode estimates the customer charge needed to reach a target received amount. Platform comparison mode applies the same sale inputs across PayPal, Stripe, Etsy, and eBay.
Example calculation
US PayPal sample: customer pays USD 100.00. The default PayPal Checkout estimate applies 3.49% + USD 0.49. Estimated fee: USD 3.98. Estimated amount received: USD 96.02.
This example uses the verified US seed rules shown on this page and does not cover all categories, account types, pricing terms, or future fee changes.
Use the fields above to adjust shipping charged, product cost, shipping cost, ad cost, buyer country, and custom fee override when your PayPal account or official fee schedule differs from the default US estimate.
Custom fee override
Turn on custom fee override when your PayPal account, statement, or official fee page gives you a fee formula you trust. The override replaces default platform fee rules for the estimate shown in your browser.
If the selected source data has not been manually verified, the result card asks for a custom fee rate instead of showing zero fees as a real estimate.
Custom override supports percentage fee, fixed fee, extra international percentage, currency conversion percentage, and an additional manual fee amount.
Source status
Verified from official source. Reviewed source links and assumptions are shown below.
Last reviewed date: 2026-05-18
Assumptions
- Amounts are shown in USD.
- US sales tax is not included as verified platform fee data in this estimate.
- Domestic buyer examples assume the buyer country remains United States unless you change it.
- Seller country: United States.
- Currency received: USD.
- Standard published PayPal US rates.
- No refunds, disputes, chargebacks, special pricing, Pay Later, QR, APM, micropayments, or currency conversion unless user enters custom fees.
- Standard credit and debit card payments are included as a verified alternative rule but are not applied by the default PayPal Checkout estimate.
FAQ
How are seller fees calculated?
PayPal fees are usually estimated from the gross sale amount, fixed charges, optional international or conversion charges, and any custom fee amount you enter.
Why can the actual fee differ from this estimate?
Actual fees can differ because platforms may use account-specific pricing, card type, buyer location, category, dispute, refund, tax, subscription, promotion, or custom pricing rules.
Does this calculator include international fees?
International fees are included only when the buyer country differs from the seller country and the selected fee data contains a reviewed international rule.
Does this calculator include currency conversion?
Currency conversion is included only when enabled by country selection and backed by reviewed fee data, or when you enter your own custom fee amount.
Does this calculator include VAT or sales tax?
US sales tax is not included as verified platform fee data in this estimate. Do not use the result for US tax filing. Confirm sales tax and income reporting with official sources or a qualified professional.
Can I enter my own custom fee rate?
Yes. Turn on custom fee override to enter a percentage fee, fixed fee, extra international fee, currency conversion fee, additional manual fee, and note.
Is this website affiliated with PayPal, Stripe, Etsy, or eBay?
No. This website is not affiliated with, endorsed by, or sponsored by PayPal, Stripe, Etsy, eBay, or any other platform.
Should I use this result for tax filing?
No. Do not use this result for tax filing. Use official sources or a qualified professional for tax, accounting, and legal decisions.
Related calculators
Use Reverse Fee mode to estimate how much to charge, or Compare platforms mode to review the same sale assumptions across the MVP seller platforms.
Disclaimers
Estimate only. Actual fees may vary by account type, country, payment method, card type, currency conversion, refunds, disputes, taxes, promotions, subscriptions, or custom pricing.
This website is not affiliated with, endorsed by, or sponsored by PayPal, Stripe, Etsy, eBay, or any other platform. Platform names are used only to identify the fee calculator.