Verified rates · updated 2026-09-20
PayPal Fee Calculator
Type an amount and this PayPal fee calculator shows the exact fee instantly. Pick the country you send from and the country they receive in — with domestic and cross-border rates applied automatically.
Payment type
The amount you send.
They receive
—
Applied rate
—
PayPal doesn't publish an exchange rate for your pair, so the conversion above uses a mid-market snapshot (FX rates from 2026-09-20). PayPal's own rate typically adds a ~3–4% currency-conversion surcharge, so the actual amount received can differ.
What is the PayPal fee calculator?
The PayPal fee calculator is a free tool that shows the exact cost of sending or receiving money on PayPal before you even start a transfer. PayPal normally reveals its fee only at the final step of checkout, after you have already chosen the amount and the recipient. This calculator removes that guesswork: pick the country you send from and the country the receiver is in, enter an amount, and you will instantly see the PayPal fee, the gross amount that gets processed and the net amount the other party actually receives.
Whether you are a freelancer invoicing an overseas client, a small business selling through an international marketplace, or someone sending money to family abroad, knowing the fee in advance lets you price correctly, avoid losing margin and never surprise the person on the other end with a smaller payout than expected.
How our PayPal fee calculator works
Our fee calculator applies PayPal's published rates automatically. Just choose yourSending from country, choose the country where the money arrives, and type an amount. The calculator figures out everything else:
What gets applied
- the base percentage PayPal charges for commercial payments,
- the cross-border surcharge that applies when money moves between countries,
- the fixed fee in the receiving currency,
- and the net amount the receiver keeps after every charge.
Always current
All rates come from monthly snapshots of PayPal's own fee pages across 44 countries, so the figures you see stay current without you having to dig through PayPal's fee tables by hand.
Domestic vs international PayPal fee calculator
Domestic PayPal payments are cheaper than international ones. For example, a commercial transfer within the United States costs 3.49% plus $0.49, while the same transfer from the US to India adds a 4% cross-border surcharge for a total rate of 8.4% plus a fixed fee. Choose the international PayPal fee calculator mode by simply picking two different countries — the cross-border rate is added automatically, so you can compare what it costs to send money domestically versus abroad in one glance.
Goods and services PayPal fee calculator
PayPal treats purchases very differently from personal transfers. If you sell a product, offer a service or accept payment for anything buyer-protected, the goods and services PayPal fee calculator applies — the full commercial rate with base, fixed and, for cross-border sales, the international surcharge. This is exactly what freelancers and online sellers need when they calculate PayPal fees for goods and services.
Free PayPal fee calculator for friends and family
Friends and family transfers (PayPal labels them “personal payments”) are usually free within the same country when funded from a PayPal balance or linked bank account. International personal payments still attract the cross-border percentage, but without a fixed fee. Toggle the Friends & Family button and the calculator switches immediately, so you get the right number for the way you are actually paying.
Best PayPal fee calculator for sending money internationally
Sending money abroad brings two extra costs that most online fee tools miss. The first is the cross-border surcharge mentioned above. The second is the exchange rate itself. PayPal charges you to convert currency twice — once through its own rate, which is typically 3–4% above the mid-market rate, and again through the fee structure. Our tool uses a monthly mid-market currency snapshot so you can see the true cost in the receiver's currency, and it flags the conversion surcharge so you are never caught off guard. For UK users, the paypal fee calculator UK gives the exact GBP rates — 2.9% plus a fixed 0.30 GBP fee for domestic commercial payments.
Reverse PayPal fee calculator — work backwards from the amount you want
One of the handiest features is the reverse PayPal fee calculator. Instead of asking “what will the receiver get?”, flip the mode to “I want to receive”, type the net amount you want to keep, and the calculator works backwards to show the gross amount the sender must pay so that PayPal's fee is covered. This is essential for freelancers who quote a flat fee in their invoices, or for anyone haggling over “who pays the fees” — you instantly know the exact figure to request.
PayPal fee calculator India
India is one of the most-searched routes for a reason: commercial payments within the country run at 4.4% plus a fixed ₹3, and when a sender in the US or Europe pays in another currency the cross-border surcharge lifts the combined PayPal fee to roughly 8.4% plus ₹3. Pick India as the receiving country, choose where the sender is, and the PayPal fee calculator India mode returns the fee and the exact rupees the receiver keeps — useful for freelancers paid from abroad and for families sending money home.
PayPal fee calculator Philippines
For the Philippines, PayPal's commercial rate is 5.4% plus a fixed ₱15 — one of the higher domestic rates PayPal charges anywhere. Add an international sender and a currency conversion, and the real cost climbs further. Use the PayPal fee calculator Philippines to see the fee in pesos before you send, and flip to receiving mode to work out what to request so your full payout survives the deductions.
PayPal invoice calculator
Freelancers and agencies rarely feel the full weight of PayPal fees until the payout lands. The PayPal invoice calculator solves that: switch to “I want to receive”, enter the net amount you need, and the tool grosses the invoice up by the exact fee for your country pair — so the figure on your invoice already covers everything PayPal will take. No more “they paid but I received less” surprises, and no rounded-up guesses that overcharge honest buyers.
PayPal tax calculator
This tool doubles as a PayPal tax calculator for record-keeping: every calculation shows gross, fee and net — exactly the numbers you need when you total taxable PayPal income or report goods-and-services sales that trigger a US 1099-K over the thresholds the IRS sets. It does not file or estimate your tax, but knowing the net received amount per transfer makes the record-keeping straightforward. Always confirm final figures with PayPal and with your accountant.
Countries covered by the PayPal fee calculator
The calculator covers 44 markets, including the United States, the United Kingdom, India, the Philippines, Germany, France, Spain, Italy, Japan, Australia, Canada, Singapore, Mexico and Brazil. Rarely-listed currencies are handled too — from Indian rupees and Vietnamese dong to Indonesian rupiah and Thai baht — so it genuinely works as a worldwide paypal fee calculator, not just a US-only one. Every fee table is scraped from PayPal directly and refreshed each month, and the page shows the date those rates were last updated.
Frequently asked questions
What is the PayPal goods and services fee calculator?
The PayPal goods and services fee calculator shows the full commercial rate PayPal charges when you sell a product or provide a service. It combines the base percentage, the small fixed fee and, for cross-border sales, the international surcharge — so freelancers and sellers see the exact fee before they send an invoice.
How much is the PayPal G&S fee calculator?
The calculator itself is completely free. The goods and services fees it models depend on the countries involved: domestic commercial payments typically cost about 2.9%–3.5% plus a fixed fee, while cross-border G&S payments add a surcharge of around 1%–2%. Choose the sender and receiver countries above to see the exact figure for your pair.
How much is the PayPal fee?
There is no single PayPal fee. Domestic commercial payments are usually about 3% plus a fixed amount, international payments add a cross-border percentage, and Friends & Family transfers are free within the same country when funded from a balance or bank. Our fee calculator returns the exact number for your sender and receiver pair.
How much is the PayPal fee for an international transaction?
International transactions cost significantly more than domestic ones. PayPal charges its base percentage, an extra cross-border surcharge (often 1%–2%), a fixed fee in the receiving currency and a currency-conversion markup of roughly 3%–4% on its exchange rate. Select two different countries in the calculator to see the combined cost.
Does PayPal charge a fee for international payments?
Yes. Every international payment includes a cross-border surcharge on top of the standard rate, and when currencies differ PayPal also profits from its own exchange rate, which is typically 3%–4% above the market rate. The reverse mode of our calculator shows how much the sender must pay so your full amount arrives.
Is the PayPal fee 3%?
Roughly, for domestic commercial receipts — many countries charge about 3% (for example 3.49% in the US) plus a fixed fee. But the real figure depends on the country, the payment type and whether the transfer is international, so 3% is a rule of thumb rather than the exact number. Enter an amount on this page to get the precise fee.
How much does PayPal charge for USD to INR (US to India)?
US to India is one of the most expensive routes. For goods and services, PayPal charges the US domestic fee plus India’s cross-border surcharge: about 8.4% plus a fixed ₹3 fee, and the payer’s currency conversion adds roughly 3%–4% more. Type an amount above and switch to receiving mode to see both sides of the cost.
Does PayPal charge the sender or the receiver?
It depends on how the payment is initiated. When you send money or pay an invoice, the sender pays. When you charge a customer through a business account or request money, the fee comes out of the receiver’s payout. Our calculator works both ways — swap to the I want to receive mode to calculate what to request.
What is the difference between PayPal Friends & Family and Goods & Services?
Goods & Services includes PayPal Buyer Protection and applies the full commercial fee. Friends & Family has no buyer protection and is usually free for domestic transfers funded from a balance or bank account. Use G&S for sales and F&F only for genuine personal transfers — misusing F&F for purchases can trigger fund holds or account restrictions.
How do I avoid PayPal fees?
Use Friends & Family for domestic transfers funded from a PayPal balance or bank account, and ask international payers to cover the fee so nothing is deducted from your payout. The reverse mode of our calculator gives you the exact higher amount to request so the fee never comes out of your earnings.
Can I add the PayPal fee to my invoice?
Yes, many freelancers gross up their invoices so the buyer covers the fee. Enable I want to receive, enter the net amount you want to keep, and the calculator returns the gross amount to put on the invoice. Note that some PayPal regions forbid surcharging customers purely for using PayPal, so check your seller agreement.
Which is cheaper: PayPal or a bank transfer?
For small and medium amounts PayPal is usually cheaper and faster than international wire transfers, which carry flat fees of $25–$50 plus bank exchange markups. For very large transfers, specialised forex services often win. Use this fee calculator to get PayPal’s exact cost, then compare it with your bank’s quote.
Why should I use a PayPal fee calculator in 2026?
PayPal changes its rates over time and they vary by country and payment type. In 2026, with cross-border selling at record levels, a stale rate costs real margin on every transaction. This paypal fee calculator 2026 edition is refreshed monthly from PayPal’s own fee pages, so your quotes stay accurate.
Does PayPal charge a fee to receive money?
Generally yes for commercial (Goods & Services) payments — PayPal deducts a percentage plus a fixed fee from the amount you receive, and cross-border receipts add an international surcharge. Friends & Family transfers are usually free when funded from a PayPal balance or bank account. Switch the calculator to I want to receive mode to see the exact net amount you would keep.
Ready to see the real cost? Enter your amount in thePayPal fee calculator above and check exactly what you — or the person you are paying — will receive.