Free Tool
Payment Fee Calculator
The sale price is not what lands in your account. Enter the sale price and the fees — a platform fee and a payment fee, each with a percentage and a fixed part — and this calculator shows the total fees, what you actually keep, and the effective fee rate.
Estimates and scenarios for planning purposes only — not financial advice. The results on this page are built from the numbers you enter. They are planning aids, not predictions, and not financial, tax or legal advice. Nothing you enter leaves your browser.
What this tool does
Fees are calculated in two parts. The platform fee is sale price × platform percentage + platform fixed fee. The payment fee is sale price × payment percentage + payment fixed fee. Total fees are the two added together; net received is the sale price minus total fees; the effective fee rate is total fees ÷ sale price × 100. On a $100 sale with a 5% + $0.30 platform fee and a 2.9% + $0.30 payment fee, the fees are $5.30 + $3.20 = $8.50, the net received is $91.50, and the effective rate is 8.5%.
No fee is hard-coded here, and no provider's rate is quoted as permanent. Payment providers change their fees, and the rate one seller pays is not the rate another pays — so every fee in this tool is entered by you, from your own provider's current terms. If the fees you pay are different from the example, the answer changes, and rightly so.
Try it
Waiting. Enter the sale price and fees and press Calculate net received.
How it works
Platform fee = sale price × platform percentage + platform fixed fee. Payment fee = sale price × payment percentage + payment fixed fee. Total fees = platform fee + payment fee. Net received = sale price − total fees. Effective fee rate = total fees ÷ sale price × 100. The fixed fees matter most on small sales: $0.30 + $0.30 is 6% of a $10 sale but only 0.6% of a $100 one.
Both fees are entered by you, from your provider's current terms. No provider fee is quoted on this page as a permanent figure, because fees change and vary by seller, country and plan.
Assumptions and limitations
- If total fees are higher than the sale price, the calculator reports a warning instead of a negative net: that usually means a fee was entered wrongly, or the sale is genuinely too small for the fixed fees. Check the inputs before trusting the result.
- The calculator covers platform and payment fees only. It does not include tax, currency conversion, chargebacks, refunds or your own product and shipping costs — the net received is after fees, not after all costs.
- Enter the fees that actually apply to you. A marketplace's fee schedule and a payment provider's fee schedule are separate documents, and both change — check the current terms on the provider's own site.
Worked example
Example: a $100 sale, a 5% + $0.30 platform fee and a 2.9% + $0.30 payment fee. Platform fee = 100 × 5% + 0.30 = $5.30. Payment fee = 100 × 2.9% + 0.30 = $3.20. Total fees = $8.50. Net received = 100 − 8.50 = $91.50. Effective fee rate = 8.50 ÷ 100 × 100 = 8.50%.
Frequently asked questions
Why is there a percentage and a fixed fee?
Most providers charge both: a percentage of the sale plus a small fixed amount per transaction. The fixed part is why tiny sales lose a larger share to fees.
Where do I find my fee rates?
On your platform's and your payment provider's own fee pages, or on your last payout statement. Enter the rates that actually apply to your account — fees vary by country and plan.
Why does the effective rate change with the sale price?
Because the fixed fees do not scale. On a $10 sale, $0.60 of fixed fees is 6%; on a $100 sale it is 0.6%. Small sales always pay a higher effective rate.
Does the net received include tax?
No. Tax is separate and depends on your jurisdiction and the buyer's location. This calculator covers platform and payment fees only.
What if fees are higher than the sale price?
Then the sale loses money on fees alone — usually a wrong input, or a sale too small for the fixed fees. The calculator warns you instead of showing a negative net.