Calculators
Freelancer Payment Fee Calculator
Estimate platform, withdrawal, FX, tax reserve and optional crypto conversion deductions.
Share this scenario
Anyone with the link can read your entered amounts and settings. Share an illustrative scenario if the real figures are private.
Net received
2373.85 USD
Total fees
126.15 USD
Tax reserve
474.77 USD
After tax reserve
1899.08 USD
| Platform fee | 3% |
|---|---|
| Withdrawal fee | 15.00 USD |
| FX fee | 1.5% |
| Optional crypto conversion fee | 0% |
Fees are applied sequentially: platform, fixed withdrawal, FX, then crypto conversion. Percentage fees use the remaining payout, not the original invoice. A fixed fee is not reduced to fit your balance: a shortfall means this payout may be unavailable or require extra funds. The reserve is your chosen share of net proceeds, not a calculation of tax legally due.
Use the result to make the next decision
The estimate is a starting point. Compare the relevant terms and risks before acting.
Decision framework
Use this calculator before choosing a payout route for client or platform income.
Freelancer payout cost is usually platform fee plus withdrawal, FX and tax reserve. Crypto conversion can be modeled, but it should not be treated as a tax workaround or guaranteed cheaper route.
International client payout
For a 2,000 USD invoice with 3% platform fee, 10 USD withdrawal fee, 1% FX and a 20% tax reserve, the net amount after reserves can be very different from the invoice headline.
Before choosing a payout route
- Keep invoices, statements and tax reserve records.
- Compare client currency with your spending currency.
- Keep at least one backup payout provider.
- Confirm local tax and reporting requirements.
Related next steps
FAQ
Is this tax advice?
No. Use it as a planning estimate and confirm local tax rules with a qualified professional.
Should freelancers use crypto payouts?
Only if the client, records, compliance and conversion risk make sense. Do not use crypto to hide income.
Why model a tax reserve?
It prevents confusing gross invoice income with money available to spend.