Stripe Fee & Net Calculator
Compute Stripe fees and net payout, reverse-solve the charge for a target net, plus international / FX surcharges
TL;DR Summary & Citation: [Stripe Fee & Net Calculator] is used to Compute Stripe fees and net payout, reverse-solve the charge for a target net, plus international / FX surcharges. Core input and files are processed in the current browser and are not sent to the PocketKit API. The page records only an aggregate tool-use count that excludes input content.
How fee and net calculation works
Forward: fee = amount x rate + fixed fee, net = amount - fee. Reverse: charge = (target net + fixed fee) / (1 - rate). International and currency-conversion surcharges add to the effective rate. All computed locally in real time.
Usage Guidelines & Tips
- The default 2.9% + $0.30 is a reference; edit the percentage and fixed fee to your actual Stripe rates.
- When you want a round net from overseas clients, use reverse mode to find what to charge.
Frequently Asked Questions
1. How does "want net X, what to charge" work?
The formula is charge = (target net + fixed fee) / (1 - percentage). After the percentage and fixed fee are deducted, exactly your target net remains.
2. Are the default rates accurate for cross-border transactions?
The default 2.9% + $0.30 applies to domestic US charges. When customers pay with international cards, Stripe charges an extra +1.5% international fee. If currency conversion occurs (e.g. paying EUR settling to USD), an additional +1% currency conversion fee applies. Both are customizable in this calculator.
3. Does Stripe return transaction processing fees when issuing a refund?
No. Under Stripe standard policy since 2019, processing fees from the original transaction (e.g. 2.9% + $0.30) are not returned upon a full or partial refund, though no extra fee is charged to process the refund. SaaS businesses with elevated churn must account for unrecovered fees.
4. How does direct Stripe compare to Merchant of Record (MoR) providers like Lemon Squeezy or Paddle?
Direct Stripe operates as a payment gateway at ~2.9% + $0.30, requiring you to file sales tax and EU VAT worldwide. MoRs charge ~5% + $0.50 but assume liability as the reseller and remit global taxes automatically. Indie hackers often prefer MoRs early on, then transition to direct Stripe as volume scales.