Free PayPal Fee Calculator
Also called a PayPal charges calculator, commission calculator, or G&S fee calculator — works for Goods & Services payments, invoices, and international transfers.
Know exactly what you’ll keep before you price a product, send an invoice, or accept an international payment — fee breakdown plus an estimated currency conversion to your local bank.
* = exact fee % not individually researched for this country yet; a generic estimate is used.
PayPal doesn't publish its exact conversion rate — it typically adds roughly 3–4% above the market rate. Adjust this if you know your account's actual markup.
What This PayPal Fee Calculator Does
Type in the amount you received, pick your country, and this calculator instantly shows PayPal’s percentage fee, the fixed fee, any local tax (like GST) that applies on top, and — if you want it — an estimated conversion to what actually lands in your bank account.
Percentage + Fixed Fee
Both parts of PayPal’s fee structure, calculated together — not just a rough percentage guess.
Domestic or International
PayPal charges more for cross-border payments — this calculator applies the right rate for each.
Local Tax (GST/VAT)
For countries like India, where GST applies on top of PayPal’s own fee — most calculators miss this entirely.
Currency Conversion Estimate
See an estimated final amount in your actual local currency — not just PayPal’s internal balance currency.
How PayPal Fees Actually Work
Every PayPal charge is really two numbers added together: a percentage of the payment, plus a small fixed fee. International payments add a further surcharge on top of the percentage.
You Receive = Amount − PayPal Fee − Local Tax (if any)
That fixed fee is easy to forget when you’re pricing a product — it eats a bigger share of small payments than large ones. A $5 payment loses a much bigger percentage to a $0.49 fixed fee than a $500 one does.
PayPal Goods & Services (G&S) Fees Explained
If you’re selling on Etsy, invoicing a client, or accepting payment for freelance work, you’re almost always using PayPal’s “Goods & Services” option — it’s what gives both sides buyer/seller protection. G&S payments carry PayPal’s standard commercial rate, which is higher than sending money to friends and family (which has no protection, and often no fee for domestic transfers).
This calculator defaults to G&S-style commercial rates, since that’s the scenario almost every seller, freelancer, and small business actually needs priced out.
PayPal Exchange Rate: What You Need to Know
If you’re paid in a currency different from your own, PayPal doesn’t use the same “mid-market” rate you’d see on Google or XE — it adds its own currency conversion markup, typically somewhere around 3–4% above the market rate. PayPal doesn’t publish this figure precisely, and it can vary slightly by currency and account type.
This calculator pulls a live market rate and applies an estimated PayPal markup so you can see a realistic final number — clearly labeled as an estimate, not a guarantee, since only PayPal knows its exact rate at the moment of your transaction.
Who This Calculator Is For
How to Use This Calculator
Enter the Amount
The exact amount you received or expect to receive.
Pick Your Country
Fee rates, local tax, and currency all adjust automatically.
See the Full Breakdown
Percentage fee, fixed fee, tax, and — if you want it — the converted local-currency amount.
Accuracy & Limitations
✓ What this gives you
- Fee rates researched from PayPal’s own published fee schedules for major markets (US, UK, Eurozone, India, and more)
- A clear, itemized breakdown — not just one lump number
- A currency conversion estimate covering 196+ countries and their actual local currencies
✕ What it can’t guarantee
- PayPal updates its fee schedule periodically — we refresh this regularly, but always double-check for anything business-critical
- The exact currency conversion rate PayPal applies at the moment of your transaction — that figure is never published
- Income tax — this calculates PayPal’s own fees and applicable local tax like GST, not what you owe at tax time
Frequently Asked Questions
Is this PayPal fee calculator free?
Yes — completely free, no sign-up, no limit on how many times you use it.
How do I calculate PayPal fees for Goods & Services?
Enter the amount you received, select your country, and leave the payment type on “International” or “Domestic” depending on where the buyer is. The calculator applies PayPal’s commercial (G&S) rate automatically.
What’s PayPal’s exchange rate compared to the real market rate?
PayPal typically adds a markup of roughly 3-4% above the mid-market exchange rate you’d see on Google or a bank. This calculator estimates that markup on top of a live market rate — but PayPal’s exact figure at any given moment isn’t publicly available.
Does this work for PayPal invoices, not just direct payments?
Yes — invoice payments processed through PayPal use the same commercial fee structure this calculator is based on.
Does this include GST or other local taxes?
For countries where a local tax applies on top of PayPal’s fee — India’s GST, for example — you can toggle it on to see the full deduction, not just PayPal’s own cut.
Why is the fee different for domestic vs. international payments?
PayPal adds a cross-border surcharge on top of its standard rate for international transactions. Selecting the correct payment type in the calculator applies the right rate.
Can I calculate fees for a country not specifically researched yet?
Yes — countries without an individually researched fee percentage use a clearly flagged generic estimate, so you still get a usable number while we expand coverage.
More Free SEO & Business Tools
Know Your Numbers Before You Send
Price it right the first time — see your real payout before you invoice, list, or accept a payment.