Calculate PayPal transaction fees for personal, business, and international payments with invoice amount and net proceeds calculation.
This tool takes a payment amount and a transaction type (personal, business goods-and-services, or international), applies PayPal's percentage-plus-fixed-fee structure, and returns the fee amount alongside your net proceeds. It also solves in reverse: enter the net amount you need to receive, and it calculates the invoice total to charge so the fee doesn't eat into that target. The most common surprise is international payments, where a cross-border fee stacks on top of the base rate and currency conversion adds a separate spread PayPal doesn't itemize the same way.
PayPal charges a percentage of the transaction plus a flat per-transaction fee, and the rate differs by category: money sent to friends/family, business payments for goods and services, and international transfers each carry their own published rate. The tool multiplies your entered amount by the selected rate, adds the fixed fee, and subtracts that total from the amount to show net proceeds.
If you need to walk away with a specific amount after fees, the tool inverts the formula: invoice amount = (target net + fixed fee) / (1 - fee rate). This is how freelancers and sellers set an invoice price so PayPal's cut doesn't shrink their actual take-home below what they quoted a client.
Only indirectly. The calculator applies the disclosed cross-border transaction fee percentage, but it does not independently model PayPal's currency conversion exchange rate spread. If the payment involves a currency conversion, enter the already-converted amount and treat the net result as an estimate, not an exact figure.
It should be close if you selected the matching transaction type, but PayPal's exact rate can vary by account type, country, and any custom merchant pricing you've negotiated. Confirm against the fee shown on your actual PayPal transaction details before relying on this for accounting or invoicing.
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