What it does
Most people mistakenly add Stripe's processing percentage directly to their target price. But because Stripe takes its cut from the final charged total, straight addition leaves you short. This tool uses the correct inverted formula — Total = (Net + Fixed Fee) / (1 − Percentage Rate) — and shows the full breakdown, not just the answer.
Built for freelancers, MSPs, and small businesses who need to pass on credit card fees transparently and accurately while managing cash flow speed. Zero dependencies — pure HTML/CSS/JS, no frameworks, no tracking, no bloat.
A $500 target net payout on Standard processing works out to a $515.24 total charge — a $15.24 surcharge — with the full logic breakdown shown below it.
Handles the edge cases
- Three payout schedules.Standard (2.9% + $0.30), Next-Day (+0.6%), and Instant Payouts (+1.5%, with an integrated $0.50 minimum-fee check).
- Threshold-aware math.For Instant Payouts, the tool detects whether the flat $0.50 minimum or the 1.5% premium actually applies at your payout size, and shifts the formula accordingly instead of guessing.
- Rounding variance tracked explicitly.Shows the fractional-cent difference between raw math and banking reality, so the final number is never a mystery.
- One-click copy.Copy the surcharge amount straight to your clipboard for invoicing.
Under the hood
A single index.html — no build step, no server, no dependencies. Open it in any modern browser and it works.