Money and planning
Work out what remains after a payment fee, or find the smallest payment that meets your target net amount.
Net received
Ready to calculate a payment fee
All amounts use the currency of your input. This is one payment under the stated fee formula, not a provider quote or a profit calculation.
Recent calculations keeps the last five calculations in this tab. Copy link or Save inputs file keeps the mode, amount, percentage fee, and fixed fee. CSV exports results; JSON restores inputs. Anyone with the link or file can read those conditions.
100.00 − (3.00 + 0.30) = 96.70
With a 3% fee and a 0.30 fixed fee, a 100.00 payment leaves 96.70. To receive 100.00 instead, the minimum payment is 103.40: its rounded fee is 3.40. A payment of 103.39 leaves only 99.99.
0.10 × 5% = 0.005 → 0.01
At 5% with no fixed fee, a 0.10 payment has a fee of 0.01 and leaves 0.09. To receive 0.10, the minimum payment is 0.11. The fee is rounded before it is subtracted.
10.00 − 0.25 = 9.75
With a 0% rate and a fixed fee of 0.25, a 10.00 payment leaves 9.75. To receive 10.00, the minimum payment is 10.25. Splitting it into several payments would apply the fixed fee more than once.
Example buttons replace the amount and both fee settings, keep your chosen mode, and calculate. Example rates are illustrative, not advertised prices for a payment service.
Let G be the gross payment, r the percentage rate divided by 100, and f the fixed fee. The fee is round-to-cents(G × r + f), and net received is G − fee. The fee rounds once to the nearest cent, with halfway values rounded up. Since the fixed fee already has whole cents, this is also the rounded percentage fee plus the fixed fee.
Ignoring cent rounding would give a target payment of (target + f) / (1 − r). Simply rounding that quotient can miss the smallest valid payment. This calculator uses exact integer arithmetic and finds the lowest nonnegative whole-cent payment whose net meets the target after fee rounding. When the minimum is positive, the result also shows that one cent less falls short.
A zero rate is supported. A rate of 100% or more is rejected in both modes. Rates very close to 100% can require very large payments; no provider transaction limit is imposed. Money inputs have at most 15 integer digits, but an inverse result may be larger. Every reported money amount is a whole-cent amount; see the calculation policy.
This user-defined model applies one percentage fee to the full payment plus one fixed fee. It does not load live rates or account for tiers, minimum/maximum fees, cross-border or currency-conversion charges, tax, refunds, disputes, or rules about passing charges to a customer. Check your own fee agreement and the amount it applies to before relying on an estimate.
No. Enter the rate and fixed fee for the model you want to examine. The examples are hypothetical. Actual providers can use additional charges, other rounding rules, or different fee bases.
The formula does not cap the fee at the payment amount. If the fee exceeds the payment, the difference is negative. A zero payment with a 0.30 fixed fee therefore gives −0.30 in this model; that does not mean a provider will process or charge such a transaction.
Because the percentage applies to the resulting full payment too. At 3% plus 0.30, adding 3.30 to a target of 100.00 makes a 103.30 payment whose rounded fee is 3.40, leaving only 99.90. The target mode accounts for this and verifies cent rounding.
Only if each percentage is independently applied to the same gross amount and the combined fee is rounded once under this model. Separate rounding, fees on top of other fees, different bases, or tiered rates need a different calculation. This tool represents one payment, not a batch.
The selected mode, amount, percentage rate, and fixed fee are saved together. The mode determines whether the amount is a payment or a target net. Restoring a link, JSON file, or recent record fills the form without calculating. Reset returns to net-from-payment mode, blank amount and rate, and a fixed fee of 0.00.