ToolBento guide
How to calculate Stripe fees and net revenue
Estimate Stripe-style processing fees, net received, and the amount to charge when you need a target net payment.
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Open the matching ToolBento utility →Start with the payment you are modeling
Stripe-style fees usually include a percentage fee plus a fixed fee. That means a 100.00 payment does not leave exactly 100.00 in your account, and the amount you need to charge for a target net payment is a little higher than the target itself. Before doing the math, decide whether you are checking a customer payment you already plan to charge or figuring out the gross amount needed to keep a certain net amount.
What to enter in ToolBento
Open ToolBento's Stripe Fee Calculator and fill in the Payment amount field. This is the customer payment or target net amount you want to model. Then choose a Country and fee preset, such as United States domestic cards, United States international cards, United Kingdom standard cards, European Economic Area standard cards, or Custom editable fee.
Edit the fee fields when your rate is different
The presets are shortcuts, not a promise that your exact Stripe account uses the same rate. If your pricing is different, update Percentage fee with the processor percentage, such as 2.9, and Fixed fee with the flat amount in the selected currency, such as 0.30. The Currency field controls the code shown in the result, for example USD, EUR, or GBP.
Press Calculate fees for the breakdown
After the amount, preset, percentage fee, fixed fee, and currency look right, press Calculate fees. The result shows the payment amount, selected fee preset, percentage fee, fixed fee, total fee, net received, and an amount to charge if you want to receive the original payment amount as your net total.
Use net received for quotes and invoices
The Net received line is useful when you are deciding whether a price still covers your costs after payment processing. For a freelance invoice, digital product, course sale, or small SaaS charge, copy that number into your planning notes before you commit to a price. If the margin is tight, rerun Calculate fees with a higher amount or with the custom fee that matches your real account.
Understand the amount-to-charge line
The Amount to charge line is a gross-up estimate. It asks: if you want to keep the entered payment amount after the percentage and fixed fees are deducted, what larger customer charge would roughly get you there? This is handy for pass-through payment fees or internal planning, but make sure your pricing policy and local rules allow any surcharge before showing it to customers.
Check the final Stripe report for important payments
The calculator is best for quick planning. Real Stripe payouts can also involve refunds, disputes, currency conversion, cross-border fees, tax handling, platform fees, account-specific pricing, or changing public rates. For bookkeeping, taxes, and high-value invoices, compare the estimate with Stripe's dashboard or exports after the payment settles.