PayPal Fee Calculator (US)
Estimate what a US PayPal commercial transaction takes and what you keep.
Default: published US standard credit and debit card commercial rate 2.99% + $0.49 (fixed fee for USD). PayPal Checkout / other products may differ. Source: paypal.com/us/business/fees. Rates change. Not affiliated with PayPal.
Formula
fee = amount × percent + fixed
net = amount − fee
FAQ
Which PayPal rate is the default?
US standard credit/debit card payments: 2.99% + $0.49 per published commercial rates. PayPal Checkout can be 3.49% + fixed — edit fields if needed.
Do rates change?
Yes. Always confirm on PayPal’s US business fees page before invoicing.
Is TakeHome affiliated with PayPal?
No.
Does this include withdrawals or FX?
No. Withdrawal fees and currency conversion markups are not modeled.
How does this compare to Stripe?
Open the Stripe Fee tool with the same gross amount and compare net side by side.