Stripe Payout Calculator
Calculate exactly how much Stripe will deposit into your bank account after standard transaction fees.
Stripe charges 2.9% + $0.30 per successful card transaction for US businesses on the standard plan. On a $100 sale, Stripe takes $3.20, leaving you $96.80. This calculator shows your exact net payout for any amount — and the reverse: what to charge to receive a specific amount after fees.
How is this calculated?
Stripe's standard rate is 2.9% + $0.30 per transaction.
Forward: Fee = (amount × 0.029) + $0.30. Net = amount − fee.
Reverse: To receive N after fees, charge (N + $0.30) / (1 − 0.029).
Rates shown are Stripe's published US pricing as of 2024. International cards add +1% (3.9% + $0.30). Manually entered cards are 3.4% + $0.30. Stripe may charge additional fees for currency conversion, disputes, or Radar.
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Frequently Asked Questions
How does Stripe calculate my net payout?
Stripe deducts their processing fee (typically 2.9% + $0.30 in the US) directly from the charge amount before sending the rest to your bank account. Your net payout is the gross amount minus this fee.
When will I receive my Stripe payout?
In the US, the standard Stripe payout schedule is 2 business days. In some countries it can take 3-7 days. High-risk businesses may have a 14-day rolling payout schedule.
Can I receive payouts instantly?
Yes, Stripe offers Instant Payouts for eligible businesses. This deposits funds to your debit card or bank account within 30 minutes, but costs an additional 1% of the payout volume.
Why is my payout less than what my customer paid?
Because Stripe deducts their processing fees automatically before depositing funds into your account. Use this calculator to see exactly how much will be deducted from your charges.
How do I reconcile Stripe payouts in QuickBooks?
In QuickBooks, you must record the full gross amount paid by the customer as revenue, and the Stripe fee as an expense. The remaining amount matches your bank deposit. Our free CSV converter handles this split automatically.