We ship a lot of small tools at Koardy, and this one came from a recurring annoyance: Stripe’s published rates are easy to quote and easy to forget. You budget for a fee, invoice, and then the deposit lands a few dollars lighter than the spreadsheet said.
So we built a calculator that shows the real number before you invoice.
→ Stripe Fee Calculator (2026 Rates)
It covers the cases that actually come up:
- Card — online (2.9% + $0.30)
- Card — in-person / Terminal (2.6% + $0.10)
- ACH direct debit (0.8%, capped at $5.00)
- Optional international card (+1.0%) and currency conversion (+1.0%) surcharges
- Reverse mode: how much to charge so you net a target amount
A $120 invoice at the standard online rate nets you $116.22. Across a year of invoices, that difference is real margin — and it’s the kind of thing you want to know before you quote a client, not after the payout lands.
Rates are as of 2026 Q3 from Stripe’s published US pricing — the page date-stamps them and links to stripe.com/pricing so you can confirm before relying on them. It’s not affiliated with Stripe.
The whole thing runs in your browser: no signup, no upload, no tracking. Your numbers never leave your device.
👉 Try the Stripe Fee Calculator — and while you’re at it, the invoice generator pairs nicely when you’re ready to put the number on paper.
Related: The Real Cost of “Free” Dev Tools in 2026 · A $5-Seat Dev Workspace