Free Stripe Fee Calculator

How Stripe Fees Are Calculated

The 2.9% headline rate feels small until you multiply it across a year of revenue. A SaaS doing $10,000 MRR on $29 plans pays Stripe roughly $394 every month, $4,700 a year, once the $0.30 fixed fee is counted on each of about 345 payments. Set the payments-per-month slider above to your own volume and the yearly figure updates.

The fixed fee is why low-priced plans hurt: on a $5 payment Stripe's cut is effectively 8.9%, while on a $500 payment it is barely 3%.

Three practical takeaways:

• Annual plans cut fee costs. One $290 charge costs $8.71 in fees; twelve $29 charges cost $13.70.
• International cards quietly add 1.5%, which matters for products with global audiences.
• Merchant-of-record platforms change the math. Our merchant of record guide covers when Paddle-style pricing beats Stripe despite the higher rate.

Stripe Fees at Common Price Points

Stripe Fees by Country: UK, Europe, Australia and Canada

Stripe prices each country separately, and the differences are large. A UK business pays half the US percentage on domestic cards, while an international card in the UK costs more than in the US. The calculator switches rates when you pick a country; the figures below were read from Stripe's own pricing pages on 10 September 2026.

Stripe fees in the UK

Standard UK consumer cards are 1.5% + 20p, premium (commercial and rewards) cards 2.8% + 20p, cards issued in the European Economic Area 2.5% + 20p, and everything else 3.15% + 20p. Currency conversion adds 2%. A £49 payment on a standard UK card costs 94p; the same payment on a US card costs £1.74. UK businesses selling to the US pay almost double the fee per sale.

Stripe fees in Europe

Euro-denominated accounts (the Ireland pricing page applies across the eurozone) pay 1.5% + €0.25 on standard EEA cards, 2.8% + €0.25 on premium EEA cards, 2.5% + €0.25 on UK cards and 3.15% + €0.25 on international cards, with 2% for currency conversion. A €49 payment on a standard EEA card costs €0.99.

Stripe fees in Australia

Domestic cards are 1.7% + A$0.30 and international cards 3.5% + A$0.30, plus 2% for currency conversion, GST included. Stripe has announced lower domestic pricing from 1 October 2026 and lower international pricing from 1 April 2027; the calculator uses the rates in force today.

Stripe fees in Canada

Domestic cards are 2.9% + CA$0.30, the same headline as the US, with 0.8% added for international cards and 2% for currency conversion. Manually entered cards add 0.5%.

Stripe Billing, Stripe Tax and ACH: the fees on top

Most SaaS companies pay more than 2.9% + $0.30 without noticing, because the add-ons are billed as separate line items. The toggles in the calculator add them to the rate:

• Stripe Billing, 0.7% of volume. Every subscription charge that runs through Stripe Billing on the pay-as-you-go plan. A $29 monthly subscription costs $1.34 in fees, not $1.14.
• Stripe Tax, 0.5% per transaction. Charged wherever you are registered to collect sales tax or VAT, or $0.50 per transaction on the API integration.
• ACH Direct Debit, 0.8% capped at $5. US bank debits instead of cards. On a $1,000 invoice the fee is $5 instead of $29.30, which is why annual plans should offer bank payment.

Reverse Stripe Fee Calculation

Sometimes you need to work backwards: what should the invoice say so that you receive an exact amount after fees? Because the fee has a fixed component, you cannot just add 2.9%. The gross-up formula is charge = (target + 0.30) / (1 - 0.029). To net exactly $1,000 you need to charge $1,030.20, not $1,029. Switch the calculator to "What I want to receive" and it runs this formula, including any add-ons you have turned on.

Stripe vs PayPal vs Square vs Paddle vs Lemon Squeezy

The comparison table under the calculator prices the same payment on all five providers, using each one's published US rate on 10 September 2026: Stripe 2.9% + $0.30, PayPal 3.49% + $0.49 for standard commercial transactions (plus 1.5% international), Square 2.9% + $0.30 online (2.6% + $0.15 in person), Paddle 5% + $0.50 and Lemon Squeezy 5% + $0.50.

Stripe and Square are the cheapest per transaction and leave tax compliance to you. PayPal costs about 30% more than Stripe on a typical SaaS price and is worth it only where customers insist on it. Paddle and Lemon Squeezy cost roughly 70% more per transaction but act as merchant of record: they collect and remit VAT and sales tax in every jurisdiction, which for a small team selling worldwide is usually cheaper than registering and filing yourself. The break-even is the cost of your own tax compliance, not the 2% difference in fees.