PayPal Fee Calculator 2026 — Fees & What to Charge (Free)

PayPal fees 2026 calculator. Edit the pink cells; results update instantly.
	A	B	C
1	Your numbers
2	Payment amount		Total the buyer pays
3	How you get paid
4	Buyer outside the US?
5	Amount you want to receive
6
7	Results
8	Percentage fee	3.5%
9	Fixed fee	$0.49
10	Total fee	$3.98
11	Fee as % of payment	4%
12	You receive	$96.02
13	Charge this to receive your amount	$104.12

Your numbers

Payment amount

Total the buyer pays

How you get paid

Buyer outside the US?

Amount you want to receive

Results

Percentage fee

3.5%

Fixed fee

$0.49

Total fee

$3.98

Fee as % of payment

You receive

$96.02

Charge this to receive your amount

$104.12

PayPal fees in 2026 (US)

A payment through PayPal Checkout or a PayPal invoice costs 3.49% plus a fixed $0.49. Card payments processed through PayPal cost 2.99% plus $0.49. Goods and services payments to a personal account cost 2.99%.

If the buyer is outside the US, add 1.5%. Currency conversion and instant transfers to your bank are extra and not included here.

How much to charge to receive a set amount

Add the fixed fee to the amount you want, then divide by one minus the percentage. To receive $100 from a PayPal Checkout payment: ($100 + $0.49) ÷ (1 − 3.49%) = $104.12.

The formulas behind it

Every result cell is a plain spreadsheet formula, so you can check the math or rebuild it yourself.

Cell	Result	Formula
B8	Percentage fee	`=CHOOSE(B3, 3.49%, 2.99%, 2.99%)+B4%`
B9	Fixed fee	`=CHOOSE(B3, 0.49, 0, 0.49)`
B10	Total fee	`=B2*B8+B9`
B11	Fee as % of payment	`=B10/B2`
B12	You receive	`=B2-B10`
B13	Charge this to receive your amount	`=(B5+B9)/(1-B8)`

Sources

Rates checked October 2026 (US). Platforms change fees from time to time.

Questions people ask

How much does PayPal take from $100?

Through PayPal Checkout or an invoice, $3.98 (3.49% plus $0.49), so you receive $96.02. For goods and services to a personal account, $2.99.

Is Friends and Family free?

Yes, in the US when it is paid from a PayPal balance or bank account. Paying by card costs the sender 2.9% plus $0.30. Do not use it for sales: it has no purchase protection.

Can I pass PayPal fees to the customer?

Many sellers build the fee into their price. Use the last row of the calculator to find the amount to charge. Check local rules before adding a separate surcharge.