PayPal Fee Calculator (2026)
Calculate PayPal fees instantly for domestic and international transactions. Estimates PayPal charges, reverse fees, and net received amounts based on country, transaction type, and payment value. Supports Goods & Services, Friends & Family, and reverse PayPal fee calculations.
Calculate to see results
Estimates only. Actual fees may vary. Always verify with your PayPal account.
Fee Breakdown
How to Use This PayPal Fee Calculator
- Enter the payment amount
- Select your country
- Choose transaction type — Goods & Services or Friends & Family
- Select domestic or international payment
- Enable reverse mode if you want to know how much to request
- Click Calculate — PayPal fee and received amount appear instantly
The calculator returns the PayPal fee, amount received, and effective fee percentage in real time. Reverse mode also returns the exact amount to request so you receive your target amount after deductions.
What Does This PayPal Fee Calculator Calculate?
This calculator estimates:
PayPal Transaction Fee
The total fee deducted from the payment amount by PayPal based on percentage and fixed fee.
Amount Received
The net amount the recipient receives after PayPal deducts all applicable transaction fees.
Reverse PayPal Fee
The total amount to request so the recipient receives an exact target amount after fees are deducted.
Effective Fee Percentage
The true fee as a percentage of the total transaction amount, combining percentage and fixed fee impact.
The tool calculates PayPal commercial transaction costs using country-specific fee structures and payment type rules.
How PayPal Fees Work
PayPal charges a percentage fee plus a fixed fee per transaction. The total fee depends on transaction type, country, payment currency, and whether the payment is domestic or international.
Domestic payments use:
International payments include:
Currency conversion may add additional charges to international transactions.
| Amount | Fee Rate | Fixed Fee | Total Fee | Received |
|---|---|---|---|---|
| $50 | 3.49% | $0.49 | $2.24 | $47.76 |
| $100 | 3.49% | $0.49 | $3.98 | $96.02 |
| $500 | 3.49% | $0.49 | $17.94 | $482.06 |
| $1,000 | 3.49% | $0.49 | $35.39 | $964.61 |
What Is Reverse PayPal Fee Calculation?
Reverse PayPal fee calculation determines how much money you should request to receive an exact amount after PayPal deducts fees. This mode answers the question most users actually need: "How much should I ask for?"
Users need reverse calculations when:
- Sending invoices to clients for exact project amounts
- Receiving freelance payments at a target rate
- Selling digital products at a fixed net price
- Charging clients internationally with different fee rates
How Reverse PayPal Fees Are Calculated
This formula ensures the receiver obtains the exact target amount after all deductions.
| Desired Amount | Amount to Request | PayPal Fee Paid |
|---|---|---|
| $50 | $52.32 | $2.32 |
| $100 | $104.14 | $4.14 |
| $500 | $519.19 | $19.19 |
| $1,000 | $1,037.89 | $37.89 |
Goods and Services vs Friends and Family
🛒 Goods & Services
- Business transactions and invoices
- Product sales and freelance payments
- Includes buyer and seller protection
- Commercial transaction fees apply
- Required for all business use cases
👥 Friends & Family
- Personal transfers between individuals
- Usually free for domestic transfers
- No buyer or seller protection
- Not for business transactions
- Misuse may violate PayPal policy
Important: Using Friends & Family for business payments may result in account limitations and removes all transaction protections for both parties.
Domestic vs International PayPal Fees
Domestic PayPal fees apply when both accounts operate within the same country or region. International fees apply when sender and receiver use different countries, different currencies are involved, or cross-border payment rules apply.
| Country | Currency | G&S Domestic | G&S International |
|---|---|---|---|
| United States | USD | 3.49% + $0.49 | 4.99% + $0.49 |
| United Kingdom | GBP | 3.40% + £0.30 | 4.99% + £0.30 |
| Australia | AUD | 3.60% + A$0.30 | 4.99% + A$0.30 |
| Canada | CAD | 3.49% + C$0.49 | 4.99% + C$0.49 |
| Germany / France / EU | EUR | 3.40% + €0.35 | 4.99% + €0.35 |
| India | INR | 3.50% + ₹3.00 | 4.40% + ₹3.00 |
| Japan | JPY | 3.60% + ¥40 | 4.99% + ¥40 |
Frequently Asked Questions About PayPal Fees
PayPal charges a percentage fee plus a fixed transaction fee per payment. For US Goods & Services domestic payments, the rate is 3.49% + $0.49 per transaction. International and cross-border payments carry higher rates. The exact fee depends on country, transaction type, and currency.
PayPal fees are calculated using: Fee = (Amount × Percentage) + Fixed Fee. For example, a $100 payment at 3.49% + $0.49 results in a fee of $3.98, leaving the recipient with $96.02. Use the calculator above for instant results across all countries and transaction types.
Use Reverse Mode in the calculator above. Enter the amount you want to receive, select your country and transaction type, and enable reverse mode. The calculator returns the exact amount to request so PayPal deductions still leave your target amount.
Yes. International PayPal payments include higher percentage fees and cross-border charges. US international G&S payments use 4.99% + $0.49 compared to 3.49% + $0.49 for domestic transactions. Currency conversion may add further costs.
The fixed fee is a flat amount added to every transaction regardless of size. In the US, it is $0.49 per transaction. In the UK, it is £0.30. In the EU, it is €0.35. Fixed fees differ by country and transaction currency — select your country in the calculator for the correct value.
No. PayPal fee structures vary by country, currency, and domestic rules. The percentage fee differs by region, and fixed fees change by currency. Use the country-specific pages or select your country in the calculator above to see the correct fee structure.
Friends and Family transfers are fee-free for domestic payments in most regions, but they do not include buyer or seller protection and must not be used for business transactions. Commercial payments for goods, services, or invoices require Goods & Services and always carry fees.
PayPal Goods and Services payments include commercial transaction fees because they provide buyer and seller protection for business-related payments. In the US, the rate is 3.49% + $0.49 per transaction for domestic payments.
PayPal Fee Calculators by Country
Each country page uses the correct local currency, domestic fee structure, and country-specific fixed fees.
PayPal US
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in United States.
Calculate PayPal US Fees →
PayPal UK
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in United Kingdom.
Calculate PayPal UK Fees →
PayPal AU
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Australia.
Calculate PayPal AU Fees →
PayPal CA
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Canada.
Calculate PayPal CA Fees →
PayPal DE
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Germany.
Calculate PayPal DE Fees →
PayPal FR
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in France.
Calculate PayPal FR Fees →
PayPal IT
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Italy.
Calculate PayPal IT Fees →
PayPal ES
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Spain.
Calculate PayPal ES Fees →
PayPal IE
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Ireland.
Calculate PayPal IE Fees →
PayPal IN
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in India.
Calculate PayPal IN Fees →
PayPal JP
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Japan.
Calculate PayPal JP Fees →
PayPal SG
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Singapore.
Calculate PayPal SG Fees →
PayPal PH
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Philippines.
Calculate PayPal PH Fees →
PayPal MY
Calculate PayPal processing fees, domestic/international transaction rates, and payout margins for sellers in Malaysia.
Calculate PayPal MY Fees →