Stripe's published rates are easy to quote and easy to forget — the fee you budgeted for isn't the fee you actually receive.
I built a small free tool that shows the real number before you invoice:
→ Stripe Fee Calculator (2026 Rates)
What it does:
- Calculates the Stripe fee and your net amount for any charge (2026 Q3 US rates, date-stamped)
- Covers card online (2.9% + $0.30), card in-person/Terminal (2.6% + $0.10), and ACH (0.8% capped at $5.00)
- Adds optional international-card (+1.0%) and currency-conversion (+1.0%) surcharges
- Reverse mode: tells you how much to charge to net a target amount (e.g. "I need to receive $1,000")
- Runs 100% in the browser — nothing is sent anywhere, no signup, no tracking
Useful when you're setting freelance rates, quoting a client, or checking what a $120 invoice actually nets you ($116.22 at the standard online rate).
Rates are as of 2026 Q3 from Stripe's published US pricing — confirm at stripe.com/pricing before you rely on them. Not affiliated with Stripe.
Top comments (0)