Free Invoice Generator

Payment fee calculator

A client pays the invoice and a smaller number arrives. This works out that number or, going the other way, what to invoice so the amount you need is the amount that lands.

What you're working out

The figure on the invoice, before the processor takes anything.

What gets taken out

The percentage your processor takes. It's on their pricing page and on your payout statement. This page doesn't know it and won't guess.

The flat amount charged on top, if there is one. It barely matters on a large invoice and dominates a small one.

How far the rate you're given sits from the mid-market rate. Leave it empty if you're paid in a currency you hold. Otherwise, compare your rate with the mid-market one that day.

Used only if you press Create this invoice, as the name of the line it becomes.

GuidePayment processing feesHow this works, and where the figures go wrong →

What the payment fee calculator does not do

  • It doesn't know any processor's rates. There's no list of them here on purpose. Pricing changes, and it varies by country, by card type and by whether the payer is domestic, so a table here would soon be out of date somewhere.
  • It doesn't fetch exchange rates. Nothing on these pages talks to a server, and a rate cached at build time would be from whenever this page was last published, not from the day you were paid.
  • It doesn't decide whether to pass fees on to the client. Some contracts allow it and some jurisdictions restrict it for card payments. I recommend agreeing it with the client before the first invoice rather than adding it afterwards.
  • It doesn't keep anything. Nothing is written to your browser's storage while you use it and nothing is sent to us, so the figures are gone when you close the tab. Press Create this invoice if you need a document: the invoice figure is handed to the invoice generator in this tab, cleared as soon as it opens, and saved there as a new invoice alongside any you already have.

Related

To follow a whole invoice down to what you keep, with sales tax, a platform's cut and income tax as well, the invoice take-home calculator draws each step. For the invoice itself, with lines and a deposit, use the invoice calculator. If the figure you are protecting is an hourly rate, check it against the freelance rate calculator, since fees come off the rate you thought you were charging. For the other sum on this site that is a division rather than a subtraction, see the VAT calculator. If the client also keeps back tax from the payment, the withholding tax calculator works that out the same two ways. To price an invoice in the client's currency so that what you need arrives in yours, use the foreign currency invoice calculator. If less arrived than the client sent, the payment received email generator confirms what did arrive and states any balance.

Last updated 21 September 2026