What it does
Handy when you would rather cover the processing fee than absorb it. Enter the net amount you want to keep, and the calculator figures out what to charge after percentage and fixed fee assumptions.
Payment Fees
Gross-Up Calculator
Work out the exact amount to charge so you still receive your target net after processor fees are taken.
You should charge$104.12
Estimated fee$4.12
Net after fees$100.00
Fee as % of total charge3.96%
How the math works
Charge amount = (target net amount + fixed fee) / (1 - percentage fee). Estimated fee = charge amount - target net amount.
Try it with real numbers
- 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.
- Useful when you are deciding whether to absorb fees quietly or pass them through clearly in a quote or invoice.
Good to know
- Be careful with gross-up pricing 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 charges international, conversion, or dispute fees on top, adjust the assumptions before relying on the output.