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Cash App Fee Calculator
See how much Cash App takes and what you actually receive. Choose instant deposit, business payment or credit card send, adjust the rate to what your app shows, or use reverse mode to find the amount that nets you a target.
Last updated:
What do you want to know?
$
In reverse mode: the net amount you want (or your card budget for credit card sends).
Who pays the fee?
%
Instant deposits: 0.5% to 1.75%
$
$
0 = no minimum
Enter your values to see the result.
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How to use the Cash App Fee Calculator
- Choose a mode: fee and net, or reverse for a target.
- Enter the amount.
- Pick the transaction type and tick Edit rates if your app shows a different percentage.
- Press Calculate fee to see the fee and net amount.
- Check the table for other amounts and the effective rate.
Cash App fee formulas
- Fee = amount × rate + fixed fee, but never less than the minimum fee
- Instant deposits and business payments: net received = amount − fee
- Credit card sends: the sender's card is charged amount + 3%; the recipient gets the full amount
- Reverse: amount needed = (target + fixed fee) ÷ (1 − rate), or target + minimum fee when the minimum applies
Example: an instant deposit of $200 at 1.75% costs $3.50, so $196.50 reaches your bank. A $10 instant deposit would be $0.175, so the $0.25 minimum applies.
Cash App fees at a glance (US defaults used here)
| Transaction | Fee | Fee on $100 |
|---|---|---|
| Send from balance, bank or debit card | Free | $0.00 |
| Send with a credit card | 3% (paid by sender) | $3.00 |
| Standard deposit to bank (1–3 business days) | Free | $0.00 |
| Instant deposit | 0.5%–1.75%, min $0.25 | $0.50–$1.75 |
| Receive a payment to a business account | 2.75% | $2.75 |
The minimum fee makes instant deposits of small amounts relatively expensive: at 1.75%, any deposit under about $14.29 pays the $0.25 minimum. Check the exact percentage Cash App shows before you confirm an instant deposit.
Frequently asked questions
How much does Cash App charge for instant deposit?
Cash App lists instant deposits at 0.5% to 1.75% of the amount, with a minimum fee of $0.25. At 1.75%, instant-depositing $200 costs $3.50. Standard deposits are free.
Does Cash App charge to receive money?
Personal accounts receive payments for free. Payments received to a Cash App business account cost 2.75%.
What is the Cash App credit card fee?
Sending money funded by a credit card costs the sender 3% of the amount. Sending from your balance, a bank account or a debit card is free.
How do I receive an exact amount on a business account?
Use reverse mode: divide the amount you want by 0.9725. To net $500 you would charge $514.14.
Why is the fee higher than the percentage on small amounts?
The $0.25 minimum fee applies whenever the percentage works out lower. At 1.75%, that is any instant deposit under about $14.29.
Is this an official Cash App tool?
No. It is an independent calculator that runs in your browser. Cash App shows the exact fee before you confirm, and rates can change.
Are all the tools on FreeToolCabin tested for quality and accuracy?
Yes! Every tool on our site undergoes automated Q/A testing in real browser environments to ensure high precision, correct output, and zero errors. If you happen to spot a bug or have a suggestion, please contact us at [email protected] and our team will review it right away.
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