Calculator Form
Defaults are editable examples only. Verify your own current schedule before pricing a request.
About This Calculator
This calculator estimates request-money charges using a flexible fee model. It is useful when you want to predict your net receipt, reverse-calculate a higher request amount, or compare multiple requests at once. Instead of forcing one fixed rule, it lets you enter a base percentage, a fixed charge, optional international uplift, an optional currency-conversion margin, fee discounts, and tax applied to the fee.
The first mode starts with a gross request amount and then subtracts the estimated fee to show your net. The second mode starts with your desired net receipt and works backward to find the request amount that should leave that target after charges. This is especially helpful when quoting freelance work, collecting dues, sending private payment requests, or planning invoice recovery.
Quantity multiplies totals for repeated requests, while decimal precision controls display rounding. The chart below the result compares fee and net values across nearby request amounts, making the fee structure easier to inspect. Export buttons create a quick CSV or PDF summary for recordkeeping, internal review, or client communication.
Because payment schedules can vary by market, account type, transaction type, and platform updates, treat the default values as editable examples only. Enter your current schedule before relying on the output for pricing, bookkeeping, or compliance. PayPal is a trademark of its respective owner, and this file is an independent calculator template.
Formula Used
The calculator uses a transparent fee structure with percentage and fixed elements.
- Combined percentage = Base rate + International surcharge + Currency conversion margin
- Raw fee = (Gross × Combined percentage) + Fixed fee
- Discounted fee = Raw fee − (Raw fee × Discount rate)
- Total fee = Discounted fee + (Discounted fee × Tax on fee)
- Net received = Gross − Total fee
For reverse calculation, the request amount is solved from the same model:
Gross needed = (Target net + Fixed fee × Adjustment) ÷ (1 − Combined percentage × Adjustment)
Adjustment = (1 − Discount rate) × (1 + Tax rate)
Totals for multiple requests are simple multiples of the per-request result.
How to Use This Calculator
- Select whether you want to start from a request amount or a target net receipt.
- Enter the amount per request.
- Add your percentage fee and fixed fee values.
- Include optional international, conversion, discount, and tax settings if needed.
- Set quantity for repeated requests.
- Choose your display precision and currency symbol.
- Press Calculate Fee.
- Review the result, fee breakdown, and graph, then export CSV or PDF if required.
Example Data Table
These sample figures use an editable example schedule of 2.90% plus 0.30 fixed. They are not official live rates.
| Requested Amount | Estimated Fee | Estimated Net | Effective Rate |
|---|---|---|---|
| $25.00 | $1.03 | $23.98 | 4.10% |
| $50.00 | $1.75 | $48.25 | 3.50% |
| $100.00 | $3.20 | $96.80 | 3.20% |
| $250.00 | $7.55 | $242.45 | 3.02% |
Frequently Asked Questions
1. Does this calculator use live platform fees?
No. It estimates fees from the values you enter. Replace defaults with your current schedule before using the result for pricing or accounting.
2. Can it calculate the request amount from a desired net?
Yes. Choose the reverse mode. The calculator solves the gross request needed so the remaining amount matches your target net.
3. Why is there a fixed fee field?
Some fee structures use both a percentage and a flat amount. The fixed field lets you model that second component clearly.
4. What should I enter for international surcharge?
Enter any extra percentage applied to cross-border or foreign payer transactions. Leave it at zero if it does not apply.
5. What does the currency conversion percentage mean?
Use it to model an extra percentage cost when the payment involves conversion between currencies or a different settlement balance.
6. Can I estimate several requests together?
Yes. Enter the number of requests in the quantity field. The calculator multiplies the per-request values into totals.
7. Is tax applied to the payment or to the fee?
In this template, tax is applied to the discounted fee amount only. That keeps the model explicit and easy to audit.
8. How do the CSV and PDF downloads work?
After calculation, use the export buttons above the result. They download the current summary table for offline review or sharing.