Gross-Up Calculator

What this calculator does

Use this calculator when you want to cover processor fees instead of absorbing them. Set the net amount you want to keep, then adjust the percentage and fixed fee assumptions.

Formula used

Charge amount = (target net amount + fixed fee) / (1 - percentage fee). Estimated fee = charge amount - target net amount.

Worked examples

• If you want to keep $100 after a 3.49% + $0.49 fee, you need to charge more than $100 because the fee applies to the gross amount, not the net target.
• Gross-up math is useful when you are deciding whether to absorb fees or pass them through cleanly in a quote or invoice.

Notes

• Use gross-up pricing carefully if your market expects all-in pricing or local rules restrict fee surcharges.
• The formula assumes one percentage fee and one fixed fee applied to the full gross amount.
• If your processor uses international, currency-conversion, or dispute fees, adjust the assumptions before relying on the output.