I want to take home

$

Select Payment Gateway

Domestic International

Invoice Breakdown

Invoice Amount (charge your client) $0.00
Gateway Fee (Stripe 2.9% + $0.30) -$0.00
Your Take-Home ? $0.00

Fee Impact

Total Fees $0.00 0% of net
Annual Fees (monthly invoicing) $0.00 ×12 invoices/year
Annual Fees (weekly invoicing) $0.00 ×52 invoices/year
Naive Invoice Shortfall -$0.00 What you'd lose invoicing flat

Gateway Comparison

Same take-home, different gateways — sorted cheapest first

Gateway Fee Structure Invoice Amount Total Fee Fee %

Recommended Tools

If you're a freelancer or small business owner sending invoices, keeping track of your finances is critical. We highly recommend a thermal receipt printer for your physical records, and a dedicated business ledger to ensure you never miss a deductible expense.

Why Use a Reverse Fee Calculator?

When you invoice a client for $1,000 via Stripe or PayPal, you don't actually receive $1,000. Payment gateways take a percentage plus a fixed fee before depositing the funds into your bank account. If you need exactly $1,000 to cover your business expenses, you must "gross up" or reverse-calculate the invoice amount. NetZero Invoice instantly performs this calculation for Stripe, PayPal, Square, Wise, and custom rates, ensuring you always net your desired take-home amount. All calculations are performed 100% locally on your device for absolute privacy.

Frequently Asked Questions

How do you calculate the invoice amount to net a specific take-home after fees?

To net a desired amount after a percentage fee plus fixed fee, use this formula: Invoice Amount = (Desired Net + Fixed Fee) / (1 - Percentage Fee). For example, to net $1,000 after Stripe's 2.9% + $0.30: ($1,000 + $0.30) / (1 - 0.029) = $1,030.18.

What are Stripe's payment processing fees?

Stripe charges 2.9% + $0.30 per successful card transaction for US domestic payments. International cards add 1.5%, and currency conversion adds 1%. Stripe also charges for disputes ($15), instant payouts (1%), and Radar fraud prevention ($0.05-$0.07 per screened transaction).

Should freelancers pass payment processing fees to clients?

It depends on your market and contract terms. Passing fees is standard in B2B consulting and professional services — clients expect it. In B2C and creative services, it can feel nickel-and-diming. The cleanest approach is to build fees into your quoted rate so the client sees one number.

A reverse fee calculator determines the exact invoice amount to charge so you net your desired take-home after payment processing fees. Select your gateway (Stripe, PayPal, Square, Wise) and enter your target net amount — the calculator works backward through percentage and fixed fees.