Invoice Gross-Up Calculator
Calculate exactly how much to charge so that after payment processing fees, you receive the amount you want. Supports Stripe, PayPal, Square, and custom fee rates.
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Fee Breakdown
| Item | Amount |
|---|---|
| Gross Charge | $0.00 |
| Percentage Fee (2.9%) | -$0.00 |
| Flat Fee | -$0.00 |
| Total Fees | -$0.00 |
| Net Received | $0.00 |
How the Gross-Up Formula Works
Most people make the mistake of simply adding the fee percentage to the amount they want. But since the fee is calculated on the final charge amount (not your desired net), this approach falls short.
The correct formula:
Gross = (Net + Flat Fee) ÷ (1 - Percentage)
For example, to receive exactly $1,000 after Stripe's 2.9% + $0.30 fee:
Gross = ($1,000 + $0.30) ÷ (1 - 0.029) = $1,030.18
You add $30.18 to your invoice to cover the fees.
Frequently Asked Questions
Common questions about grossing up invoices for processing fees.
Invoice gross-up is the practice of adding the processing fee amount to an invoice so that after fees are deducted, you receive the full intended amount. For example, if you want to receive $1,000 and the fee is 2.9% + $0.30, you invoice for a higher amount so the net after fees equals $1,000.
Divide your desired net amount by (1 - fee percentage as decimal), then add the fixed fee adjustment. For example: $1,000 / (1 - 0.029) = $1,029.87, then add the fixed fee impact to get the final gross invoice amount.
Businesses use gross-up billing to ensure they receive the exact amount they need after payment processing fees. This is common in B2B transactions, freelancing, and any scenario where the seller wants to pass processing costs to the buyer.
Credit card payments typically have the highest fees at 2.5-3.5% + fixed fee. Debit cards are usually 0.5-1.5%. ACH transfers and wire transfers have lower percentage fees but may have flat rates. International cards often incur additional cross-border fees.