Fee and finance calculators you can trust.

Yes. Every calculator on CalcYourFinance is completely free, needs no signup, and runs entirely in your browser — your numbers never leave your device. We may show ads to keep the site free, but the tools themselves always are.

Each platform fee is taken from the official pricing page, stored in one place, and stamped with the date we last verified it — shown on every calculator. The finance formulas (EMI, SIP, compound interest and the rest) are standard textbook math, and every formula is unit-tested so the numbers are reproducible. Treat the results as reliable estimates and confirm the final figure before pricing decisions.

Usually one of five things. You may be on a negotiated or volume rate rather than the public price. The payment may have involved a currency conversion, which carries its own margin on top of the headline fee. Some countries add tax on the fee itself. A dispute, chargeback or refund fee may have been deducted separately. Or the platform is trialling different pricing in your market. These calculators work from each platform's published rates, so they show what the public price implies — if your statement differs, the difference is almost always one of those five.

For payment processors and marketplaces it is deducted from the money you receive: the buyer pays the full amount and the platform keeps its cut before paying you out, which is why the calculators show a 'you receive' or 'your payout' figure rather than just the fee. If you would rather charge the customer enough to cover it, use the reverse mode — it grosses the amount up so you net exactly what you wanted.

Most fee calculators have a reverse mode: switch to 'I want to receive this amount' and the tool grosses the charge up using charge = (target + fixed fee) ÷ (1 − rate), so you know exactly what to invoice or list to net your target after fees.

The calculators detect your region and show results in your currency automatically (₹ in India, $ in the US, and so on), formatted the way that region writes numbers. Switching country does more than swap the symbol: most platforms genuinely charge different rates in different markets, so the rate, the worked example and any local tax on the fee all update together. Which countries are available depends on where each platform publishes its pricing.

Yes, where the platform charges it. In India, for example, payment gateways add 18% GST on their own fee, so the Razorpay, Paytm and India-region calculators show that as a separate line rather than hiding it inside the percentage. It is a commonly missed cost — the fee on the fee.

Three groups: 11 payment-processor and wallet fee calculators (Stripe, PayPal, Square, Venmo, Cash App, Wise, Payoneer, Razorpay and more), 31 marketplace and seller-fee calculators (Amazon FBA, eBay, Etsy, Shopify, Poshmark, Depop, TikTok Shop, Fiverr, Upwork and more), and 10 personal-finance tools (EMI, loan, SIP, FD, RD, GST, compound interest, simple interest, salary and percentage). Plus 8 head-to-head fee comparisons. We add new calculators regularly.

Yes. Our comparison calculators put two platforms next to each other on the same sale and tell you which is cheaper and by exactly how much — try Stripe vs PayPal or Cash App vs Venmo. Every single-platform calculator also links to the relevant comparisons.

Every rate carries the date it was last checked against the platform's official pricing page, shown on the calculator itself, and the most recently checked ones are listed on the home page. Rather than promise a fixed schedule, we publish that date so you can see exactly how current a number is. When a platform changes its pricing, the figure and the date are updated together.

No. Every calculation runs in your browser, so the amounts you enter are never sent to a server and there is nothing for us to store. If a calculator remembers your recent calculations, that history is saved in your own browser's local storage on your device and can be cleared from the calculator itself. We measure page visits like any site, but never the figures you enter.

Probably, if people are asking for it. The library grows towards the platforms and calculations people actually search for rather than padding the count. If something you use is missing, say so through the contact page and it goes on the list.

Deep Kakadiya — Founder & developer, Trilumos. Deep Kakadiya is a software engineer and the founder of Trilumos, the studio behind CalcYourFinance. He designs, builds and maintains every calculator on the site — sourcing each platform's fees directly from its official pricing pages, encoding the math as unit-tested functions, and stamping every rate with the date it was last verified so the numbers stay accurate and accountable.

Not yet. Both are planned, and an embeddable calculator is the more likely of the two to arrive first, but neither exists today and we would rather say so than list a feature you cannot use. For now the calculators are free to use and link to.