Reverse Stripe Fee Calculator
Want to receive an exact net amount in your bank account? Enter your target net earnings below and see the precise invoice amount to charge after Stripe's 2.9% + 30¢ deduction.
Free Stripe Fee & Reverse Fee Calculator
Calculate exact 2026 processing fees, international surcharges, and reverse invoice amounts.
Stripe takes $3.20 ($2.90 percentage fee + $0.30 fixed fee). Your net bank payout will be $96.80.
Invoice customer $103.30. Stripe will deduct $3.30, and you will receive exactly $100.00 net in your bank account.
QuickFinSync automatically splits Gross, Fees, and Net with a $0.00 balanced Clearing Account Journal Entry.
Quick Reverse Invoice Lookup Table
Common invoice amounts calculated with standard US domestic rates (2.9% + $0.30):
| Target Net Payout | What to Invoice Client | Stripe Deducts | Effective Processing Cost |
|---|---|---|---|
| $50.00 | $51.80 | $1.80 | 3.47% |
| $100.00 | $103.30 | $3.30 | 3.20% |
| $250.00 | $257.78 | $7.78 | 3.02% |
| $500.00 | $515.24 | $15.24 | 2.96% |
| $1,000.00 | $1,030.18 | $30.18 | 2.93% |
| $2,500.00 | $2,574.97 | $74.97 | 2.91% |
| $5,000.00 | $5,149.64 | $149.64 | 2.91% |
| $10,000.00 | $10,298.97 | $298.97 | 2.90% |
The Mathematical Reverse Formula
Why adding 2.9% to your invoice causes a shortage
A common mistake freelancers and agencies make is simply adding 2.9% to their desired price. If you want $100 and add 2.9% + $0.30 ($103.20), Stripe takes 2.9% of the new higher total ($103.20) plus $0.30, deducting $3.29 and leaving you with only $99.91!
Our tool applies this formula with full floating-point rounding accuracy to ensure your net deposit matches your requested number down to the exact penny.
Frequently Asked Questions
How much is the Stripe fee for $100?
On a $100 invoice, Stripe takes $3.20 (2.9% + $0.30), leaving you with $96.80. If you want $100 net in your bank, invoice $103.30.
Does this include international card fees?
Yes. If you toggle “International Card (+1.5%)” above, the formula adjusts from 2.9% to 4.4% (+30¢), recalculating the exact required invoice amount.
Reconcile Entire Stripe Settlement CSVs Automatically
Need to split gross sales and processing fees across hundreds of monthly transactions? Use our Reconcile Engine to generate balanced $0.00 variance QuickBooks journal entries.
Open Reconcile Engine