Does this calculator use official PayPal fees?

The fee percent and fixed fee inputs are editable so you can match your own merchant rates. Currency conversion behavior follows PayPal’s policy (user-facing FX spread above the base rate). Always verify your actual fees in your PayPal account.

How do I calculate net vs. reverse (gross-up)?

Forward (receive) mode: Net = Gross − (Gross × % + Fixed + optional FX%). Reverse (gross-up) mode: Gross = (Target Net + Fixed) ÷ (1 − % − optional FX%).

When should I apply the FX spread?

Apply the FX spread when PayPal converts currencies (e.g., receiving USD and withdrawing as INR). As per the official chart, many currencies— including INR—apply a percentage above the base rate during conversion. Set that % in the FX options.

PayPal Fee Calculator for Freelancers

Estimate your net after PayPal fees or gross-up to invoice the right amount. If PayPal converts currency (e.g., USD → INR), you can add the FX spread per PayPal policy.

Written by Vikash Kumar Munda · Last reviewed Aug 24, 2025

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Use caseFreelancer invoices & payouts

ModesReceive (net) · Reverse (gross-up)

FX policySet % above base rate

India accounts generally support international payments; apply your merchant rate and currency policy accordingly. Source: Official PayPal fees (consumer-facing, FX & market scope)

Your inputs

Mode

Currency

Invoice amount (gross)

Preset (editable) Presets are starting points — always use your actual merchant rates.

Merchant fee percent (%)

Fixed fee (in selected currency)

Currency conversion (FX)

Apply FX spread to amount

Use when PayPal converts currencies on your payout/withdrawal.

FX spread % (above base rate) Many currencies (incl. INR) use +4.00% during conversion per official chart.

FX applies to Most creators model FX on gross. Adjust if your flow differs.

Summary

Currency—

Mode—

Merchant %—

Fixed fee—

FX applied—

Fees

PayPal fee—

FX amount—

Effective rate—

Net you receive

Gross—

Net—

Worked example (international, FX applied)

A designer invoices $500 and expects PayPal to convert to INR on withdrawal. They enter merchant % and fixed (from their account), then enable FX at 4.00%. The calculator shows PayPal fee, FX amount, and the net INR-equivalent after conversion modeling.

Tip: If you’re in India and paid from abroad, model as international + FX when relevant.

Methodology & References

Currency conversion: When PayPal converts currency, the transaction exchange rate includes a % fee above the base rate. Many currencies — including INR — list +4.00% above base during conversion. This page lets you model that via the FX options. :contentReference[oaicite:1]{index=1}
India scope: India accounts typically support international payments; set your merchant rate accordingly and use FX when conversion occurs. :contentReference[oaicite:2]{index=2}
Merchant fees: Percent and fixed fees vary by country, account type, and negotiated pricing. Always confirm your actual merchant fees in your PayPal dashboard or the official Merchant Fees page for your market.

About the author

Vikash Kumar Munda builds practical calculators for freelancers and small businesses, with a focus on transparent assumptions and real-world cash-flow modeling.

Review & accuracy

Content reviewed for clarity and mapped to PayPal’s publicly documented FX behavior and India scope. If you spot discrepancies with your account’s fees, please contact us.

Disclaimer

This tool provides estimates only. Actual PayPal charges depend on your account’s merchant pricing, funding sources, buyer region, and live currency rates. The FX percentage models PayPal’s conversion spread; it does not fetch live rates. Always verify fees inside your PayPal dashboard before invoicing.

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