Home › Calculators › Square Fee Calculator
Square Fee Calculator
Calculate the Square processing fee and what lands in your bank for in-person, online, keyed-in and invoice payments. Compare every method side by side, or work out the price to charge so you still receive the full amount.
Last updated:
What do you want to know?
$
In reverse mode: the amount you want deposited.
Optional, for monthly fee totals
%
$
$
0 = none
Enter your values to see the result.
Advertisement
Advertisement
How to use the Square Fee Calculator
- Choose a mode: fee and net deposit, or price to cover fees.
- Enter the sale amount.
- Pick the payment method; tick Edit rates for custom pricing.
- Optionally enter sales per month for monthly totals.
- Press Calculate fee and compare methods in the table.
Square fee formulas
- Processing fee = sale amount × rate + fixed fee (ACH invoices: 1%, minimum $1)
- Net deposit = sale amount − processing fee
- Price to cover fees = (amount you want + fixed fee) ÷ (1 − rate)
Example: a $100 in-person sale costs $100 × 2.6% + $0.15 = $2.75, so $97.25 is deposited. To deposit a full $100 from an online sale, charge ($100 + $0.30) ÷ 0.971 = $103.30.
Square US processing rates (free plan defaults)
| Payment method | Rate | Fee on $20 | Fee on $100 | Fee on $1,000 |
|---|---|---|---|---|
| In-person (tap, dip, swipe) | 2.6% + 15¢ | $0.67 | $2.75 | $26.15 |
| Online checkout | 2.9% + 30¢ | $0.88 | $3.20 | $29.30 |
| Manually keyed / card on file | 3.5% + 15¢ | $0.85 | $3.65 | $35.15 |
| Invoice paid by card | 3.3% + 30¢ | $0.96 | $3.60 | $33.30 |
| Invoice paid by ACH | 1% (min $1) | $1.00 | $1.00 | $10.00 |
For large invoices, ACH bank transfer is far cheaper than card; for small ones the $1 minimum can make it the more expensive option. Square's paid plans and custom pricing can lower these rates.
Frequently asked questions
What are Square's processing fees?
The defaults here are Square's standard US rates: 2.6% + 15¢ in person, 2.9% + 30¢ online, 3.5% + 15¢ for keyed or card-on-file payments, 3.3% + 30¢ for card-paid invoices and 1% (minimum $1) for ACH invoices.
How much does Square take from $100?
An in-person $100 sale costs $2.75 and deposits $97.25. Online it costs $3.20, keyed in $3.65.
How do I charge so I receive the full amount?
Divide the amount you want plus the fixed fee by one minus the rate. For an in-person $100: ($100 + $0.15) ÷ 0.974 ≈ $102.82, which leaves exactly $100 after the $2.82 fee. Check local rules before adding a surcharge.
Why are keyed-in payments more expensive?
Manually entered cards carry a higher fraud risk because the physical card is not present, so card networks and Square charge more for them.
What is the cheapest way to take payments with Square?
For large invoices, ACH bank transfer at 1% (minimum $1) is much cheaper than card: $10 on a $1,000 invoice versus $33.30 by card. For card payments, in-person tap, dip or swipe has the lowest standard rate.
Is this calculator made by Square?
No. It is an independent estimate that runs in your browser. Your exact rates are in your Square dashboard and can differ with paid plans or custom pricing.
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.
Related tools
Stripe Fee CalculatorCalculate Stripe fees and payouts, or how much to charge to receive an exact amount.PayPal Fee CalculatorWork out PayPal fees, what you receive, and how much to ask for to get an exact amount.Credit Card Processing Fee CalculatorCard processing fees, your net, and the surcharged price that keeps the full sale.Cash App Fee CalculatorCash App instant deposit, business and credit card fees, with a reverse mode.Profit Margin CalculatorGross margin, markup, cost or price: solve for any one, single or bulk.Receipt MakerFill in a receipt template with items and tax, then print or save PDF.Car Depreciation CalculatorEstimate your car's value over time and its projected resale price.CTR CalculatorCalculate click-through rate and compare it with industry benchmarks.Conversion Rate CalculatorCalculate e-commerce conversion rate, revenue per visitor and goals.CPM CalculatorSolve CPM, cost, impressions, CTR and CPC for ad campaigns.Quote Estimate GeneratorCreate a quote or estimate with line items and tax, then save as PDF.ROAS Calculator (Return on Ad Spend)Calculate ROAS, break-even ROAS and profit for each ad channel.Customer Lifetime Value CalculatorCalculate customer lifetime value, LTV:CAC ratio and CAC payback from ARPU and churn.Churn Rate CalculatorCalculate customer churn and retention rates and convert monthly churn to annual.YouTube Money CalculatorEstimate YouTube earnings per day, month and year from views and RPM by niche.Instagram Engagement Rate CalculatorCalculate Instagram engagement rate by followers or reach and compare it to benchmarks.Ecommerce Profit CalculatorNet profit, margin, markup and break-even ROAS per order after fees, ads and returns.Amazon FBA CalculatorEstimate Amazon FBA fees, profit per unit, margin, ROI and break-even price.Etsy Fee CalculatorEtsy listing, transaction, processing and Offsite Ads fees, payout and net profit.eBay Fee CalculatoreBay final value fee, per-order fee, ad fees, payout and net profit on any sale.Stock Profit CalculatorStock trade profit and % return after commissions, plus the break-even sell price.Dollar Cost Averaging CalculatorSee units bought, average cost, value and profit for regular buys at your own price list.Startup Runway CalculatorProject cash, burn rate and runway month by month, with growth, break-even and zero-cash date.Break Even CalculatorFind break-even units and revenue, contribution margin, margin of safety and a cost-volume chart.SaaS Pricing CalculatorModel flat, per-seat, tiered and volume plans with annual discounts to get MRR, ARR and ARPU.Employee Cost CalculatorWork out the true cost of an employee: payroll taxes, benefits, overhead and real hourly cost.Inventory Turnover CalculatorInventory turnover ratio and days inventory outstanding from COGS or sales and average stock.Markup CalculatorFind the selling price from cost and markup, or the markup and margin from cost and price.Unit Price CalculatorCompare up to 4 products by price per ounce, pound, liter or item and find the best deal.Cap Rate CalculatorCalculate a rental property's NOI, cap rate and optional cash-on-cash return.Depreciation CalculatorStraight-line, declining balance, double declining and sum-of-years depreciation schedules.Crypto Profit CalculatorCalculate crypto trade profit, ROI and break-even price after buy and sell fees.Net Promoter Score CalculatorCalculate NPS from promoter, passive and detractor counts or pasted 0–10 survey scores.CPC CalculatorCalculate cost per click from ad spend and clicks, plus CPM, CTR, CPA and ROAS.P/E Ratio CalculatorPrice-to-earnings ratio, earnings yield and PEG ratio from share price, EPS and growth.WACC CalculatorWeighted average cost of capital from equity, debt, their costs and the tax rate.Payback Period CalculatorPayback and discounted payback period for an investment with even or uneven cash flows.Contribution Margin CalculatorContribution margin per unit, CM ratio, operating profit and break-even point.Influencer Rate CalculatorEstimated price range per post, story or video from followers and engagement.Invoice Due Date CalculatorFind the due date for Net 30, Net 60, EOM or custom terms and the days left or overdue.Book Royalty CalculatorRoyalty per sale and monthly earnings for eBooks and paperbacks after printing costs.Landed Cost CalculatorTotal landed cost and cost per unit of imported goods, with duty, freight, fees and pricing.Late Payment Interest CalculatorCalculate days late, late interest and total due on an overdue invoice.LTV to CAC Ratio CalculatorLTV, CAC, the LTV:CAC ratio, payback months and a health rating for your unit economics.Marketing Budget CalculatorMarketing budget from % of revenue or customer goals, split by channel per year and month.Mercari Fee CalculatorMercari selling and processing fees, earnings and profit, with editable rates.MRR CalculatorMonthly recurring revenue, ARR, net new MRR, growth rate and ARPU from your plans.Net Revenue Retention CalculatorNRR and GRR from expansion, contraction and churn, with annualized NRR for monthly data.Net Operating Income CalculatorNOI for rental property: rent, vacancy, other income and itemized expenses with expense ratio.Options Profit CalculatorProfit or loss at expiry for calls and puts, break-even, max profit/loss and a payoff chart.Poshmark Fee CalculatorPoshmark fee, earnings and profit, or the list price needed for your payout.Pre Money Post Money Valuation CalculatorPost-money valuation, investor and founder ownership and price per share for a funding round.Price Elasticity of Demand CalculatorFind the price elasticity of demand with the midpoint or simple method, plus revenue change.Freelance Project Price CalculatorTurn a task list with hours into a project quote with contingency, profit, tax and deposit.Rental Property Cash Flow CalculatorMonthly cash flow, NOI, cap rate, cash-on-cash return and the 1% rule for a rental property.Return on Assets CalculatorROA from net income and average total assets, plus operating ROA and adjusted ROA.Return on Equity CalculatorROE from net income and average equity, with a 3-step DuPont breakdown of what drives it.Rule of 40 CalculatorSaaS Rule of 40 score from revenue growth and profit margin, with pass/fail and the gap.Sales Funnel CalculatorCustomers, SQLs, MQLs, leads and visitors needed to hit a revenue goal.Shopify Fee CalculatorShopify fees by plan, payout, profit and margin, with third-party gateway fees.Solar Payback Period CalculatorSolar panel payback years, 25-year savings, ROI and cost per kWh with a cash-flow chart.Tiered Pricing CalculatorPrice a quantity with tiers: total, per-tier breakdown and unit price, graduated or volume.Upwork Fee CalculatorUpwork service and withdrawal fees, net earnings, and what to bill for a target.Venmo Fee CalculatorVenmo fees for goods & services, instant transfers and card payments, plus reverse mode.Working Capital CalculatorNet working capital plus current, quick and cash ratios from your balance sheet.Ad Revenue CalculatorEstimate website ad earnings per day, month and year from pageviews and RPM, CPM or CPC.ACoS CalculatorCalculate ACoS, ROAS, break-even ACoS and target ACoS from ad spend, sales and margin.ARPU CalculatorCalculate average revenue per user or account, ARPPU and monthly vs. annual ARPU.