Stripe Annual Fee Projection Calculator

Forecast your annual Stripe processing cost — average transaction × monthly volume × all applicable fees. The number to bring to your investor deck.

At a glance

SaaS at 1k customers, $50/mo
~$25k/year fees
E-commerce at $40 AOV, 10k orders/mo
~$15k/year fees
Marketplace at $200 AOV, 5k txn/mo
~$45k/year + Connect

For business planning, the relevant Stripe fee number isn’t per-transaction — it’s annual. A SaaS at $50/mo × 1,000 customers in the US (75% domestic / 25% international) pays approximately $25k/year in Stripe fees, or ~3.5% of revenue. This calculator does the projection: enter average transaction size, monthly volume, and your country/method/recurring mix, and get the annual forecast.

Frequently asked questions

What should my Stripe fee % of revenue be?
Industry rules of thumb: pure US-card SaaS lands at 3.0–3.5% of revenue. International-customer-heavy SaaS lands at 4.0–4.5%. Marketplaces with Connect land 3.5–4.5% (plus the application fee they themselves charge). E-commerce with mixed cards/BNPL/wallets lands at 3.0–4.0%. If your number is materially higher, check for overlooked fees (international, Stripe Tax, Connect surcharges, dispute rates).
When does it pay to negotiate custom pricing?
Around $80k+/mo in card volume — at $1M/year in fees, even a 25 bps reduction is $2,500/month. The threshold below which it’s not worth Stripe’s time is approximately $1M/year in card volume.

Related calculators & guides

Related Tools

receipt_long

Invoice Generator

Create professional invoices with logo, tax calculations, and PDF download — free, no signup.

credit_card

Credit Card Test Number Generator

Generate Luhn-valid test card numbers and browse provider-specific sandbox test cards for Stripe, PayPal, Adyen, Braintree, Square, and more.

account_balance_wallet

Paycheck Calculator

Calculate your take-home pay after federal, state & local taxes, 401k, and deductions. Supports US (all 50 states), UK, Canada, Australia, and India.

payments

Salary Calculator

Convert hourly wage to yearly salary or annual to hourly. Includes overtime and tax estimates.

trending_up

Compound Interest Calculator

Calculate how your savings grow with daily, monthly, or annual compounding. Includes growth chart, year-by-year schedule, and simple vs compound interest comparison.