---
title: "Credit Card Processing Fee Calculator for Small Business"
description: "See what card processing fees cost on a sale and what to charge to receive the amount you want. Free and private, runs in your browser."
url: "https://mcc-solutionsnj.com/bookkeeping/credit-card-fee-calculator"
---

Free tool

# Credit card processing fee calculator

Enter a sale amount and your processor's percentage and per-transaction fee. See the fee, what you receive and what to charge to cover it.

[![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)

Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software)

Sale amount ($)

Percentage fee (%) (example, use yours)

Fixed fee per transaction ($) (example, use yours)

Amount you want to receive ($) (optional)

Prefer to talk it through? [Take the free books check](/bookkeeping/health-check) or [contact us](/contact).

Share

## Put this tool on your own site

Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us.

[See every calculator you can embed](/embed)

How it works

## How it works

The fee is **the sale x the percentage + the fixed fee**. To receive a target amount, charge **(target + fixed fee) / (1 - percentage)**. The rates are the ones on your processor statement, since they vary by card type and plan; the defaults are examples.

FAQ

## About this calculator

**How much do card processing fees cost?**

It depends on your processor and plan. Many charge a percentage of each sale plus a fixed amount per transaction. Check your own statement and enter those figures.

**How do I price to cover the fee?**

Divide the amount you want to receive plus the fixed fee by one minus the percentage. The calculator shows the charge needed.

**Can I add a surcharge?**

Rules differ. State law, card network rules and your processor's terms all matter, and some places restrict or prohibit surcharges. Check before you add one, and ask an attorney if unsure.

**Are these numbers my actual fees?**

No. Rates vary by card type and plan. Use the rates from your processor statement.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

Price for profit with the [margin and markup calculator](/bookkeeping/profit-margin-and-markup-calculator), add up your costs with the [break-even calculator](/bookkeeping/break-even-calculator), or track fees in your books with [bookkeeping](/bookkeeping/). More free tools: [Sales commission calculator](/bookkeeping/sales-commission-calculator), [Depreciation calculator](/bookkeeping/depreciation-calculator), [Do I need to send a 1099?](/bookkeeping/do-i-need-to-send-a-1099), or [see all free tools](/free-tools).

Free

### Month-End Close Checklist (PDF)

The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link.

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Do it yourself

### Break-Even and Pricing Workbook

Enter your fixed costs and what each product or service costs and sells for, then see the sales you need and the price that reaches your target margin.

[See what's inside ($24)](/toolkits/break-even-and-pricing-workbook) [Free sample](/toolkits/break-even-and-pricing-workbook#free-starter)14-day full refund

Keep this calculator on your phone: [Add MCC Money to your phone](/tools/mcc-money-app). It's free, works offline and holds 62 calculators.

Tallyfinch

### Books you keep on your own computer

Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries.

[See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) [Download it free](/tools/pro/trial/mccBooks) [Compare the three apps](/software)

## Are processor fees showing up correctly in your books?

[Free books check](/bookkeeping/health-check)[Call (908) 444-6373](tel:+19084446373)