Join our launch discussion and support our 199+ free financial calculation utilities.
Payment Processing Fee, US Sales Tax & VAT Calculators
Instant calculation tools for Stripe, PayPal, Square, 50 US state sales tax, and UK HMRC VAT.
Interactive Financial Engine Suites
Tailored Workflows
Built for Freelancers & Small Businesses
Practical financial calculation tools and educational resources engineered for independent operators, service businesses, consultants, digital agencies, and online merchants.
Complete Financial Suite Ecosystem
10 Financial Suites. 199+ Precision Calculators.
Payment Processing & Merchant Fees
Stripe, PayPal, Square, Wise & Authorize.Net
Compute precise credit card processing deductions, international surcharges (1.5%), currency conversion spreads, and reverse payout gross-ups for US and UK merchants.
- US 2.9% + $0.30 & UK 1.5% + 20p
- Forward & Reverse invoice payout gross-up
- ACH direct debit (0.8% $5 cap) vs Card rates
50 US States Sales Tax & Nexus
State statutory bases + local district surtaxes
Calculated from published 2026 state guidance across all 50 US States and DC, including county, municipal, and special taxing district surtax caps and post-Wayfair nexus thresholds.
- Destination-based street-level tax calculations
- $100k standard / $500k high-volume state nexus rules
- Bidirectional: Add tax or reverse-extract from total
UK HMRC & Global 28-Country VAT
HMRC 20% / 5% MTD + EU & International VAT
Full VAT compliance calculations featuring UK HMRC 20% standard and 5% reduced rates, the £90,000 registration threshold, EU Reverse Charge Article 196, and Canadian GST/HST.
- UK HMRC £90,000 mandatory registration threshold
- 1/6 VAT fraction formula & MTD filing rules
- EU Cross-Border VIES reverse charge support
1099 Freelance & Contractor Rates
15.3% SECA self-employment tax & day rates
Convert desired net take-home pay into accurate hourly and 8-hour day rates. Factors in 15.3% SECA (Social Security + Medicare), health insurance, unpaid admin, and paid time off.
- 15.3% SECA self-employment tax calculator
- Billable efficiency factor (25-30h realistic weekly)
- Pre-configured benchmarks for 37 modern roles
E-Commerce Unit Economics & ROAS
Amazon FBA, Shopify DTC & Break-Even ROAS
Model complete unit economics from landed COGS to net profit margin. Computes Amazon FBA referral & fulfillment fees, Shopify processing, and exact break-even ROAS targets.
- Break-even ROAS formula: 1 / Net Profit Margin
- Amazon FBA size-tier fulfillment + 8-15% referral
- Shopify DTC, TikTok Shop & dropshipping models
Multi-Platform Rate Comparison & Cheat Sheets
Real benchmark numbers comparing merchant processors, 50-state tax rules, VAT rates, and contractor billing
Comparing merchant card processors vs. electronic bank rails: Stripe & Square Online (2.9% + $0.30) vs PayPal Commerce (3.49% + $0.49 Checkout) vs Wise Business (~0.45% B2B bank debit).
2026 Statutory Rates| Gross Sale | Stripe / Square Online (2.9% + 30¢) | Card Payout | PayPal Checkout (3.49% + 49¢) | PayPal Payout | Wise Bank Rail (~0.45%) | Wise Payout | Lowest by Rail |
|---|---|---|---|---|---|---|---|
| $10.00 | $0.59 (5.90%) | $9.41 | $0.84 (8.39%) | $9.16 | $0.05 (0.45%) | $9.95 | Card: Stripe / SquareBank: Wise |
| $50.00 | $1.75 (3.50%) | $48.25 | $2.24 (4.47%) | $47.76 | $0.23 (0.45%) | $49.77 | Card: Stripe / SquareBank: Wise |
| $100.00 | $3.20 (3.20%) | $96.80 | $3.98 (3.98%) | $96.02 | $0.45 (0.45%) | $99.55 | Card: Stripe / SquareBank: Wise |
| $500.00 | $14.80 (2.96%) | $485.20 | $17.94 (3.59%) | $482.06 | $2.25 (0.45%) | $497.75 | Card: Stripe / SquareBank: Wise |
| $1,000.00 | $29.30 (2.93%) | $970.70 | $35.39 (3.54%) | $964.61 | $4.50 (0.45%) | $995.50 | Card: Stripe / SquareBank: Wise |
| $5,000.00 | $145.30 (2.91%) | $4,854.70 | $174.99 (3.50%) | $4,825.01 | $22.50 (0.45%) | $4,977.50 | Card: Stripe / SquareBank: Wise |
On small purchases ($10.00), the fixed fee pushes Stripe and Square Online effective deduction to 5.90% and PayPal to 8.39%.
Square charges 2.9% + $0.30 for digital checkout (matching Stripe). In-person card-present tap, dip, or swipe on Square POS hardware drops to 2.6% + $0.10 (or 3.5% + $0.15 for keyed Virtual Terminal).
Manually entered card payments (Virtual Terminal / phone orders) incur Stripe's confirmed 2026 rate of 3.4% + $0.30 vs. 2.9% + $0.30 online.
Wise Business (0.45%) is an electronic bank transfer/ACH rail, not a consumer credit card processor. Stripe, Square, and PayPal process credit cards with card brand interchange (1.5%–2.8%) and dispute protection.
Foreign-issued credit cards incur an extra 1.50% cross-border fee on Stripe and PayPal, plus a 1% to 3.5% currency conversion spread.
Gross = (Net + Fixed Fee) ÷ (1 − Rate)
To pocket $1,000.00 via Stripe USA online, invoice exactly $1,030.18.
Deep-Dive Editorial Research
32 ArticlesIndependent Financial Guides & Regulatory Benchmark Studies
Quarterly Estimated Taxes in 2026: Deadlines, Safe Harbor Rules & Calculator
Master IRS 2026 quarterly estimated tax payments for 1099 freelancers and LLCs. Form 1040-ES due dates, the 100%/110% safe harbor penalty rules, SECA tax formulas, and payment methods.
Authorize.Net vs Stripe Fees 2026: Pricing, Hidden Costs & Break-Even Math
Compare Authorize.Net vs Stripe 2026 merchant processing fees. Deep dive into monthly gateway fees ($25/mo), Interchange-Plus pairing, transaction cuts, and the exact $28k break-even formula.
PayPal Goods and Services Fee 2026: Calculator, Rates & Protection Rules
How much does PayPal take for Goods and Services in 2026? Standard 2.99% + $0.49 rates, Friends & Family vs Goods & Services differences, 1099-K tax rules, and the exact reverse fee formula.
How to Pass Credit Card Processing Fees to Customers Legally (2026 Rules & Calculator)
Can you pass credit card fees to clients in 2026? State-by-state surcharge laws, the Visa 3% cap, debit card prohibitions, cash discount vs surcharge formulas, and compliant invoice templates.
Gumroad vs Lemon Squeezy Fees: Complete Creator Comparison 2026
Complete 2026 fee comparison between Gumroad and Lemon Squeezy for digital creators. In-depth analysis of Gumroad's 10% cut vs Lemon Squeezy's 5% + $0.50, Merchant of Record tax handling, payout schedules, and net profit models.
Venmo Business vs PayPal: Which Is Cheaper for Small Businesses in 2026?
Compare 2026 merchant fees for Venmo Business Profiles vs PayPal. Detailed breakdown of in-person QR rates (1.9% + $0.10), online checkout, seller protection, instant transfer costs, and transaction break-even math.
Stripe's Hidden Fees in 2026: 9 Charges You Won't Find on the 2.9% + 30¢ Pricing Page
The brutal mathematical truth of Stripe's real take-rate in 2026. Complete line-by-line breakdown of international card surcharges, 2% FX conversion spreads, Stripe Billing cuts, Radar fees, and the $15 non-refundable dispute penalty.
Accounting Software vs Spreadsheet: What Should a Small Business Use?
Compare spreadsheets vs dedicated accounting software for small businesses and freelancers. Learn transaction thresholds, audit risks, time trade-offs, and when to upgrade.
ACH vs Wire Transfer vs Credit Card Fees: The B2B Payment Cost Guide (2026)
Compare ACH Direct Debit vs bank wire vs credit card processing fees. Discover Stripe ACH fee caps (0.8% with $5 max), settlement speeds, reversal windows, and invoicing fee routing.
Complete Index of all 32 FeeKit Guides (Click to browse all topics)
- Quarterly Estimated Taxes in 2026: Deadlines, Safe Harbor Rules & Calculator
- Authorize.Net vs Stripe Fees 2026: Pricing, Hidden Costs & Break-Even Math
- PayPal Goods and Services Fee 2026: Calculator, Rates & Protection Rules
- How to Pass Credit Card Processing Fees to Customers Legally (2026 Rules & Calculator)
- Gumroad vs Lemon Squeezy Fees: Complete Creator Comparison 2026
- Venmo Business vs PayPal: Which Is Cheaper for Small Businesses in 2026?
- Stripe's Hidden Fees in 2026: 9 Charges You Won't Find on the 2.9% + 30¢ Pricing Page
- Accounting Software vs Spreadsheet: What Should a Small Business Use?
- ACH vs Wire Transfer vs Credit Card Fees: The B2B Payment Cost Guide (2026)
- Shopify Payments vs Stripe: Real Processing Fees & Hidden Costs (2026)
- How to Calculate Profit Margin for a Service Business: Formulas & Benchmarks
- Interchange-Plus vs Flat-Rate Pricing: How to Cut Credit Card Processing Fees (2026)
- Invoice Payment Terms & Late Fees: The 2026 Guide to Getting Paid on Time
- Small Business Bookkeeping Basics: A Practical Beginner's Guide
- How to Track Business Expenses as a Freelancer: The Complete Tax Deduction Guide
- How Much Does a $100,000 Freelancer Actually Keep? (The Brutal 2026 Tax & Fee Reality)
- Net 30 vs Net 15 Payment Terms: What Freelancers and Small Businesses Should Know
- Invoice vs Receipt: What's the Difference and When to Use Each
- LLC vs S-Corp for Freelancers (2026): The Exact Profit Threshold to Save on Taxes
- Gumroad vs Stripe vs Lemon Squeezy (2026): Creator Fees & Merchant of Record Guide
- Upwork vs Fiverr Fees in 2026: Platform Cuts, Client Surcharges & Take-Home Pay Compared
- Etsy vs Shopify Fees: 2026 Seller Cost Breakdown & Profit Margin Comparison
- Freelance Hourly Rate Formula: How to Calculate Your True Billable Rate in 2026
- Wise vs Stripe: 2026 Hidden FX Fees, International Transfer & Payout Comparison
- How to Create an Invoice for Freelance Work: Step-by-Step Guide & Checklist
- 1099 vs W-2 Tax Rate Breakdown: Freelance Self-Employment Tax Guide (2026)
- Shopify vs Amazon FBA Fees: 2026 Profit Margin & True Cost Breakdown
- Square vs Stripe: 2026 In-Person POS & Online Merchant Fee Comparison
- Stripe vs PayPal: 2026 Merchant Processing Fee Breakdown
- How to Calculate Your Freelance Hourly Rate: The Complete Mathematical Formula
- UK HMRC VAT Compliance & MTD Rules: 2026 Edition
- US Sales Tax Economic Nexus: 50-State Threshold Guide (2026)
Universal Business Finance & Compliance Guide (2026)
Select a financial domain below for official statutory guidelines, mathematical formulas, and margin-protection strategies.
Standard domestic card processing in the US costs 2.9% plus $0.30 on Stripe and Square, and 3.49% plus $0.49 on PayPal Commerce. In the United Kingdom, standard consumer card rates are 1.5% plus 20p. However, foreign-issued cards carry an additional 1.50% cross-border surcharge plus a 1% to 3.5% currency conversion spread. On small transactions under $10, the static cents floor can inflate your effective fee to over 6% to 8%.
Card Interchange vs Bank Rails
Credit card networks levy interchange fees, assessment charges, and processor markups. For larger business-to-business transactions, alternative direct bank transfer rails provide dramatic cost reductions:
- ACH Direct Debit (US): Capped at 0.8% with a $5.00 maximum fee. A $5,000 invoice costs $5.00 instead of $145.30 on credit cards.
- BACS Direct Debit (UK): 1.00% + 20p capped at £2.00, saving substantial overhead on recurring commercial contracts.
- Wise Business: Mid-market FX rate with transparent ~0.45% fee and zero receiving fees for domestic ACH/wire payments.
Bidirectional Reverse Payout Formula
When invoicing clients, simply adding 2.9% leaves you with a cash shortfall because processors calculate fees against the final gross charge. The exact reverse formula is:
To receive exactly $1,000.00 net in the US via Stripe (2.9% + $0.30), divide $1,000.30 by 0.971 = $1,030.18. Using FeeKit's reverse payout toggle guarantees exact zero-shortfall payouts.
US & UK Utility Matrix (197+ Dedicated Tools)
Geo-TargetedBrowse dedicated calculators configured with statutory IRS and HMRC rates, mathematical formulas, and schema
Frequently Asked Questions About FeeKit
Authoritative answers to common questions, regulatory rules, and compliance guidance.
What is FeeKit and what calculators does it provide?
Are FeeKit fee and tax calculations completely free and private?
How accurate and up-to-date are the 2026 sales tax and VAT rates?
Which payment processors and merchant gateways are supported?
Can I reverse-calculate invoices to pass processing fees or tax to clients?
How does the 1099 Freelance Rate Calculator account for Self-Employment Tax?
How does the E-Commerce Profit & ROAS Calculator compute break-even points?
Get Weekly Fee Rate & Tax Updates
2026 IRS, HMRC & payment gateway rate changes delivered to your inbox. Free forever. Unsubscribe anytime.