Stripe Calculator
Managing online payments can be tricky, especially when dealing with Stripe’s transaction fees. Whether you accept domestic cards, international cards, ACH payments, Amex, or digital wallets, understanding how fees impact your revenue is critical.
Our Stripe Calculator is a free online tool designed to help business owners, freelancers, and entrepreneurs quickly calculate fees, net income, and total revenue for any payment type over any period—daily, weekly, monthly, or yearly. With this tool, you can make informed financial decisions and ensure your business profits are optimized.
Why Use the Stripe Calculator?
Stripe charges a percentage plus a fixed fee for each transaction, and these fees differ depending on the payment type. Using the Stripe Calculator allows you to:
- Calculate fees per transaction accurately.
- Determine net income after fees to understand actual earnings.
- Forecast revenue for daily, weekly, monthly, or yearly periods.
- Compare payment types to reduce transaction costs.
- Plan finances and maintain healthy profit margins.
It eliminates guesswork and manual calculations, saving time and improving financial clarity.
How to Use the Stripe Calculator
Using the Stripe Calculator is simple and user-friendly. Here’s a step-by-step guide:
- Enter Transaction Amount
Input the payment amount per transaction. Make sure it’s a positive number. - Select Payment Type
Choose the payment method from the dropdown. Stripe fee options include:- Domestic Card: 2.9% + $0.30
- International Card: 3.9% + $0.30
- ACH Direct Debit: 0.8% (capped at $5)
- Amex: 3.4% + $0.30
- Wallet: 2.9% + $0.30
- Enter Number of Transactions
Specify how many payments will be processed within the selected period. - Select the Period
Choose Daily, Weekly, Monthly, or Yearly. The calculator automatically multiplies totals based on this period. - Click Calculate
The tool instantly provides:- Fee per transaction
- Amount received per transaction
- Total fees for the period
- Total revenue for the period
- Net income after fees
- Effective fee rate
- Reset for New Calculation
Use the reset button to clear all inputs and start a fresh calculation.
Example Calculation
Suppose you run an online business and charge $100 per transaction. You expect 50 transactions per month using domestic cards (2.9% + $0.30).
- Fee per transaction: $100 × 2.9% + $0.30 = $3.20
- Amount received per transaction: $100 − $3.20 = $96.80
- Total fees for the month: 50 × $3.20 = $160
- Total revenue for the month: 50 × $100 = $5,000
- Net income: $5,000 − $160 = $4,840
- Effective fee rate: ($3.20 ÷ $100) × 100 = 3.2%
This calculation helps you see exactly how much Stripe fees impact your monthly income.
Tips to Maximize Your Stripe Payments
- Choose the Lowest Fee Option When Possible
ACH payments have a much lower fee (0.8%) compared to card payments, making them ideal for large transactions. - Track Your Transactions Regularly
Calculate weekly or monthly totals to monitor your costs and profits. - Plan High-Value Transactions Carefully
Consolidating payments can reduce the percentage of fees relative to revenue. - Compare Payment Methods
Understanding which payment types cost less can save you significant money. - Consider International Fees
International cards and currency conversions have higher fees. Factor them in when accepting foreign payments.
Benefits of Using the Stripe Calculator
- Time-Saving: Quickly calculates fees and net income without manual math.
- Accurate: Eliminates errors in fee calculations.
- Revenue Forecasting: Helps you project income over any chosen period.
- Financial Planning: Supports better budgeting and pricing strategies.
- Decision-Making: Identify which payment types are most cost-efficient.
Frequently Asked Questions (FAQs)
- What is the Stripe Calculator?
It’s a tool to calculate Stripe fees, net income, and total revenue for any payment type. - Do I need a Stripe account?
No, the calculator works independently to estimate fees. - Can I calculate multiple transactions at once?
Yes, input the number of transactions and select the period. - Which payment types are included?
Domestic card, international card, ACH Direct Debit, Amex, and Wallet payments. - Can I calculate yearly totals?
Yes, choose “Yearly” in the period dropdown. - Does it show the effective fee rate?
Yes, it calculates the effective percentage fee per transaction. - Can I reset the calculator?
Yes, click the reset button to clear inputs. - What if I enter negative values?
The calculator will prompt you to enter valid positive numbers. - Does it include taxes?
No, it calculates only Stripe fees and net income. - Is it mobile-friendly?
Yes, the calculator works on any device, including mobile phones. - Are fees capped for ACH payments?
Yes, ACH fees are 0.8% per transaction, capped at $5. - Can I calculate fees for different payment types together?
Each payment type must be calculated separately. - Is it accurate for high-volume transactions?
Yes, it scales calculations for any number of transactions. - Is this tool free?
Yes, it is completely free for all users. - Can I use this for business forecasting?
Absolutely, it’s ideal for revenue and profit projections.
Conclusion
The Stripe Calculator is a must-have tool for online business owners and freelancers who want to understand their payment costs and maximize earnings. It calculates fees, net income, total revenue, and effective fee rates in seconds, providing clear insights into your Stripe transactions.
Whether you’re accepting domestic or international payments, using ACH, Amex, or digital wallets, this calculator ensures you always know the exact impact of Stripe fees on your business. Stay profitable, make smarter financial decisions, and manage your payments with confidence.