Calculators
Freelancer Payment Fee Calculator: Net Payout
Freelancer payment fee calculator: trace a USD 2,500 invoice through a 3% platform fee, withdrawal fee, 1.5% FX and tax reserve to the amount you keep.
FX and crypto conversion fees
Answer
From a 2,500 USD invoice you receive 2,373.85 USD after 126.15 USD in fees; after a 20% tax reserve, 1,899.08 USD is yours to spend.
- After tax reserve
- 1,899.08 USD
- Net received
- 2,373.85 USD
- Total fees
- 126.15 USD
- Tax reserve
- 474.77 USD
- Platform fee75 USD3%
- Withdrawal fee · FX fee · Optional crypto conversion fee51.15 USD2%
- Tax reserve474.77 USD19%
- After tax reserve1,899.08 USD76%
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.
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Decision framework
This freelancer payment fee calculator shows how much of one invoice reaches you after platform, withdrawal, FX and crypto conversion fees, and how much is left after your tax reserve.
Fees apply in order to what remains: first the platform percentage, then the fixed withdrawal fee, then the FX percentage, then the optional crypto conversion percentage. The tax reserve is your chosen percentage of the net amount received. It is money you set aside, separate from the provider fees. If the fees are larger than the invoice, net received shows as zero and the excess shows as a fee shortfall. This order matches providers that charge each fee on the remaining payout; for other providers, use their own fee base.
Example: a 2,500 USD invoice
As the calculator opens, in USD: invoice 2,500, platform fee 3%, withdrawal fee 15, FX fee 1.5%, crypto conversion 0% and tax reserve 20%. The platform fee of 75 leaves 2,425, and the withdrawal fee leaves 2,410. FX costs 1.5% of 2,410, or 36.15. Total fees are 126.15, net received is 2,373.85, the reserve is 474.77 and 1,899.08 is left after the reserve. A provider that charges 1.5% FX on the full invoice would take 37.50 instead.
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.
FAQ
Is the tax reserve a payout fee?
No. It is part of the money you received that you keep aside for later payments. The calculator shows it separately, so you can see the gap between the invoice and the money you can spend now.
What if my provider charges FX on the gross invoice?
This calculator charges FX after the platform and withdrawal fees. For a provider that uses the gross invoice, multiply its FX rate by the invoice amount, or compare the provider’s all-in quote.
Why does the calculator show a fee shortfall?
The fixed withdrawal fee is larger than what is left of the payout. Net received stops at zero, and the excess shows as a shortfall. A payout like this may be unavailable or need extra funds in your account.
Results use the amounts and fees you enter, so replace the examples with your own numbers. How we compare