Finance

PayPal Fee Calculator

Free PayPal fee calculator — work out PayPal UK fees, US fees, international transaction fees and the PayPal currency conversion fee, see exactly what you receive, and reverse-calculate what to charge so the full net amount arrives.

PayPal Fee Calculator is a free online finance tool from FastDailyTools (PayPal UK, US & international fees + currency conversion.). Free PayPal fee calculator — work out PayPal UK fees, US fees, international transaction fees and the PayPal currency conversion fee, see exactly what you receive, and reverse-calculate what to charge so the full net amount arrives. It runs entirely in your browser — no sign-up, no account, no email and no upload — and every result can be exported as a dated PDF report.

✔ Price: free, unlimited use, no rate limits
✔ Sign-up: not required
✔ Privacy: all math runs client-side, nothing is uploaded
✔ Export: one-click PDF report (2026 rates)

Amount ($)Country & transaction typeMode

Add PayPal currency conversion fee

PayPal adds a currency conversion spread (typically 3–4.5%) on top of the transaction fee whenever the payment is converted into another currency.

Gross amount

$100.00

PayPal fee

$3.48

You receive

$96.52

Effective fee rate

3.48%

Popular long-tail searches from US users — jump straight to the tool.

How to use PayPal Fee Calculator

Enter the transaction amount.
Pick your country and whether the payment is domestic or international (US, UK, EU, AU or micropayments).
Tick 'currency conversion fee' if PayPal converts the money into another currency.
Choose whether you want to receive that amount, or want the recipient to receive it.
Read the fee, effective rate and net amount instantly.

Frequently asked questions

What are PayPal UK fees in 2026?

UK domestic goods & services is 2.9% + £0.30. Receiving from outside the UK adds a cross-border fee of roughly 2%, so around 4.9% + £0.30 in total, plus a currency conversion fee if the money is converted into GBP.

Does PayPal charge an international transaction fee?

Yes. PayPal adds a cross-border (international) fee on top of the standard rate — typically 1.5% to 2% depending on the sender's country — and charges it in addition to any currency conversion fee.

What is the PayPal currency conversion fee?

PayPal applies a currency conversion spread of roughly 3% to 4.5% above the wholesale exchange rate whenever a payment is converted between currencies. Tick the conversion-fee box in the calculator to include it in the total.

What are typical PayPal charges in 2026?

US domestic goods & services is 2.99% + $0.49, UK domestic is 2.9% + £0.30, EU domestic is 2.9% + €0.35, and international payments add a cross-border fee. Micropayments are 5% + $0.05.

How much does PayPal take from $100?

For a US domestic goods & services payment of $100, PayPal takes about $3.48 (2.99% + $0.49), leaving you with $96.52. On a UK domestic £100 payment you keep about £96.80.

How do I avoid PayPal fees?

Use PayPal Friends & Family for eligible personal transfers in the same currency and country, ask to be paid in your own currency to skip the conversion fee, invoice larger amounts so the fixed fee is diluted, or pass fees to buyers where legally allowed.

How do I calculate what to charge so I get exactly $X after PayPal fees?

Use the 'recipient should receive this' mode — it reverse-calculates the gross amount you need to invoice, including any conversion fee.

Does PayPal charge fees to receive money?

Yes for goods & services. Friends & Family from a linked bank account inside the same country and currency is usually free.