Free PayPal Fee Calculator 2024 - Calculate Exact Fees Instantly

Know exactly how much PayPal will charge before you send or receive money. Calculate fees for domestic, international, and business transactions with real-time accuracy.

PayPal Fee Rates (2024)

Rates accurate as of 2024. PayPal may update fees — always verify current rates.

How to Use This Calculator

Calculate What Recipient Gets

1. Select your currency
2. Choose transaction type (Goods & Services, Domestic, etc.)
3. Click "I'm Sending" mode
4. Enter the amount you're sending
5. See exactly what the recipient receives after fees

Calculate How Much to Send

1. Select your currency
2. Choose transaction type
3. Click "I Want to Receive" mode
4. Enter the amount you need to receive
5. See exactly how much the sender must pay

PayPal Fee Breakdown

Goods & Services (2.89% + $0.49)

The standard rate for:

• Online purchases
• Business payments
• Marketplace transactions
• Invoice payments

Standard Domestic (2.99% + $0.49)

Standard commercial rate for:

• US-to-US transactions
• Most business accounts
• Website payments

International (4.99% + $0.49)

Cross-border transaction rate:

• Payments sent to other countries
• Receiving from outside your country
• Currency conversion may apply additionally

Friends & Family (Free in US)

For personal, non-commercial payments:

• Sending to friends
• Family transfers
• Personal gifts
• Note: Not for goods/services — no buyer protection

Fee Calculation Formulas

Standard Calculation

Fee = (Amount × Percentage) + Fixed Fee
Received = Amount - Fee

Reverse Calculation (Calculate What to Send)

Amount to Send = (Desired Amount + Fixed Fee) ÷ (1 - Percentage Rate)

Why Fees Vary

PayPal fees depend on several factors:

1. Transaction Type — Business vs personal
2. Sender's Country — Domestic vs international
3. Funding Source — Card vs bank account
4. Account Type — Personal vs business
5. Volume — High-volume merchants may negotiate lower rates

Tips to Reduce PayPal Fees

For Sellers

• Accept bank transfers when possible (lower fees)
• Bundle payments to reduce fixed fee impact
• Consider PayPal Micropayments for small transactions
• Negotiate rates if you have high volume

For Buyers

• Use bank account funding (may avoid card surcharges)
• Use Friends & Family for personal transfers (in US)
• Avoid currency conversion when possible

International Fee Considerations

When sending internationally, additional charges may apply:

• Currency conversion fee: 3-4% markup on exchange rate
• Cross-border fee: Varies by country
• Recipient country fees: Some countries have higher rates

PayPal vs Competitors

FAQs About PayPal Fees

Are PayPal fees tax deductible?

For business transactions, PayPal fees are typically deductible as a business expense. Consult a tax professional.

Why was I charged more than the calculator shows?

Additional fees may apply for currency conversion, receiving from certain countries, or using credit card funding.

Can I avoid PayPal fees entirely?

For personal US transfers, use Friends & Family. Otherwise, fees apply to commercial transactions.

Are fees the same for all currencies?

No, fixed fees vary by currency. Our calculator adjusts for USD, EUR, GBP, CAD, and AUD.

How often do PayPal fees change?

PayPal updates fees periodically. Major changes are usually announced in advance.

Why Use Our PayPal Fee Calculator?

• 2024 fee rates — Always current
• Multi-currency — USD, EUR, GBP, CAD, AUD
• Bidirectional — Calculate send or receive
• 4 transaction types — Complete coverage
• Instant results — Real-time calculation
• One-click copy — Easy to share
• No signup — Free and private

Disclaimer

This calculator provides estimates based on publicly available PayPal fee information. Actual fees may vary based on your account type, location, and specific transaction details. Always verify with PayPal directly for exact figures.