Calculate PayPal fees: rates, formula and free tool
Precisely calculate PayPal fees on your transactions. 2025 rates, reverse formula and free simulator.
Published on January 10, 2026PayPal deducts a commission on every received transaction. For an online seller, freelancer or association, knowing the exact final amount after fee deduction is essential for correct pricing and margin protection.
Understanding the conversion
PayPal applies a variable rate depending on the type of transaction and country. The standard rate for online commercial payments is around 3.49% + a fixed fee per transaction (2025 pricing). For micropayments, a specific rate applies. To receive exactly the desired amount, use the reverse formula to calculate the price to charge the client.
📐 Formula
📊 Conversion table
| Transaction type | Rate (%) | Fixed fee | Example ($100) |
|---|---|---|---|
| Standard commercial payment | 3.49 % | $0.49 | $3.98 |
| Micropayment (< $10) | 6.00 % | $0.05 | $0.65 |
| Bank account transfer | 0 % | $0 | $0 |
| Credit card transfer | 3.49 % | $0.49 | $3.98 |
💡 Practical examples
Amount to charge = (150 + 0.49) / (1 - 0.0349) ≈ $155.93. PayPal fees: $5.93. You receive exactly $150.
Fees = 49.90 × 3.49% + 0.49 = 1.74 + 0.49 = $2.23. You receive $47.67.
If you want $200 net, charge your client $207.69 to exactly cover standard PayPal fees.