PayPal Fee Calculator — Calculate PayPal Transaction Fees
Calculate PayPal processing fees and net payout for goods & services payments.
PayPal Fee
$2.58
Net Payout
$57.42
Effective Rate
4.30%
Rates verified 2026-04-19
Formula
Fee = Amount × 3.49% + $0.49
Net Payout = Amount − Fee
Effective Rate = (Fee ÷ Amount) × 100
Worked Example
$60 payment:
Fee = $60 × 0.0349 + $0.49 = $2.58 | Net = $57.42 | Effective Rate = 4.30%
Frequently Asked Questions
Which PayPal rate does this use?
US rate for Goods and Services: 3.49% + $0.49. Friends and Family payments differ.
Does PayPal charge more for international?
Yes. International adds 1.5% cross-border fee plus currency conversion spread.
How do I pass fees to the buyer?
Divide target net by (1 - 0.0349), then add $0.49 / (1 - 0.0349) to get the gross amount to charge.