Freelancer Fee Calculator — How Much Do You Actually Keep?

Enter one invoice amount. The table shows, side by side, what each platform or payment method leaves you after its fee. Everything runs in your browser — nothing is uploaded.

Invoice amount (USD) Upwork freelancer service fee (%) — Upwork uses a variable 0–15% per contract, 10% is its own worked example. Change it to your contract rate. Extra withdrawal fee (USD, optional — leave 0 if you do not know it yet)

What you keep on $

Method	Fee used	Fee (USD)	You keep (USD)	You keep (%)

How much should you quote to net a target?

Enter the amount you want to keep, pick a platform fee, and the calculator shows the gross quote you need before that fee.

Amount you want to keep (USD) Platform fee (%)

Fee defaults used — read this before you rely on them

Fiverr: flat 20% seller commission on earnings.
Upwork: variable 0–15% per contract, locked for that contract; 10% is used here as the default because it is Upwork's own worked example. Use your actual contract rate.
Freelancer.com: 10% of the winning bid, or $5 minimum, whichever is greater (the table uses 10%; on very small jobs the $5 minimum can matter more).
PayPal invoice paid by card / Checkout (US domestic): 3.49% + $0.49.
PayPal invoice paid by bank (ACH, US domestic): 1%, capped at $10.
PayPal direct Goods & Services send (US domestic): 2.99%.
Wise USD bank-details receive via domestic ACH: $0 in the example used here. International payments, currency conversion and other rails add fees.
Direct bank transfer / ACH (US domestic, non-wire): $0 in this table.

Estimates only, not financial advice. Platforms change their fee schedules, and your country, plan, contract and payment rail can change the result. Always check the platform's own current fee page before you invoice or accept a contract. International PayPal payments can add a cross-border fee, and Wise conversion fees vary by corridor — this calculator models the US-domestic USD cases listed above, plus the Upwork/Fiverr platform fees, so you can compare them quickly.