Stripe Reverse Fee Calculator

"How much should I charge to receive $X?" — the reverse Stripe fee calculation that gets the fixed-component math right. Worked for every country and payment method.

At a glance

Formula
gross = (target + fixed) / (1 − percent)
Common mistake
Adding the fee % rather than dividing
Use cases
Invoicing, freelance, donation gross-up, B2B

You want to receive $96.80. How much should you charge? The naive answer is $99.70 ($96.80 × 1.029 + $0.30 = $99.86). The right answer is $100.00. The formula is gross = (target + fixedFee) / (1 - percentageFee) — and most reverse calculators get the fixed-component division wrong. This one doesn’t.

Frequently asked questions

Why doesn’t multiplying by (1 + 2.9%) work?
Because the fee is calculated on the gross amount, not the net target. If you charge $99.70 expecting to net $96.80, the actual fee is $99.70 × 0.029 + $0.30 = $3.19, leaving you with $96.51 — you’re short $0.29. The correct math accounts for the fact that the percent is applied to the larger gross number, which itself depends on what we’re solving for.
How does the reverse calculator handle additional fees (Tax, Billing, Connect)?
Sum all the percent-based fees first, sum all the fixed-based fees, then apply the formula. So with Stripe Tax (0.5%) + Billing (0.5%) + base 2.9%, the percent total is 3.9%; with the standard 30¢ fixed plus a Radar 5¢, the fixed total is 35¢. gross = (target + 0.35) / (1 - 0.039). The calculator does this automatically.
What about the ACH cap?
ACH is capped at $5 (US), which makes the math non-linear above $625. The reverse calculator surfaces a warning when the gross amount triggers the cap — at that point, the percent component is effectively lower than 0.8%, and the calculator switches to using the cap as a fixed cost.

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