weshoal.com Free Tools

PayPal Fee Calculator (UK & US) + Reverse Invoice Calculator

Calculate PayPal commercial processing fees (2.9% + 30p UK / 3.49% + 49¢ US) and see what to invoice so you receive 100% of your target amount.

In plain words: Selling goods or sending an invoice through PayPal? Enter your amount below to see the exact PayPal commercial fee deducted, what lands in your balance, and the exact reverse-invoice figure to charge if you want to take home the full amount after PayPal fees.

🔒 Runs in your browser. Nothing you type is sent anywhere ✓ No email · No sign-up · No watermark · Free
Custom Rate Override
% +
If you invoice £1,000.00 (PayPal Rate):
£984.80 Fee: £15.20
Exact net payout after processing fees
To take home £1,000.00 net after fees, invoice:
£1,015.43
Formula: (Target + Fixed Fee) ÷ (1 − Rate%)
Side-by-Side Payment Processor Comparison (PayPal vs Stripe vs Square)
Payment Processor / Plan Rate Fee Deducted Your Net Payout Invoice Needed to Net Full Amount
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How to Use PayPal Fee Calculator (UK & US) + Reverse Invoice Calculator

  1. Enter your transaction or invoice amount (pre-set to PayPal UK Commercial 2.9% + 30p, or switch to PayPal US 3.49% + 49¢).
  2. Read the left card to see your net payout and the exact PayPal fee deducted.
  3. Read the right card to see what to charge on your invoice so you net 100% of your target after PayPal fees.
  4. Compare PayPal side-by-side against Stripe and Square in the table below.
PayPal Friends & Family transfers are free for domestic personal gifts, but any payment marked 'For Goods and Services' or paid via PayPal Checkout / PayPal Invoicing incurs a merchant percentage plus a fixed per-transaction fee (2.9% + 30p in the UK, or 3.49% + 49¢ in the US). If you simply add 2.9% to your invoice, you still end up slightly short because PayPal charges its 2.9% on the new higher total too. WeShoal uses the exact reverse-gross-up formula — (Target + Fixed Fee) ÷ (1 − Rate) — so your net payout matches your target down to the penny.