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Venmo Fee Calculator
Check what Venmo charges before you send, sell or cash out. Pick the transaction type to see the fee and what you receive, or switch to reverse mode to find how much to ask for so you net an exact amount. Rates, minimums and caps are editable.
Last updated:
What do you want to know?
$
In reverse mode: the amount you want to end up with (or your card budget for credit card sends).
Who pays the fee?
%
$
$
0 = no minimum
$
0 = no maximum
Enter your values to see the result.
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How to use the Venmo Fee Calculator
- Choose a mode: fee on an amount, or the amount to charge to net a target.
- Enter the amount.
- Pick the transaction type; tick Edit rates if your app shows a different fee.
- Press Calculate fee to see the fee and what you receive.
- Use the table to compare other amounts.
Venmo fee formulas
- Fee = amount × rate + fixed fee, then raised to the minimum or capped at the maximum if one applies
- Goods & services and instant transfers: the fee comes out of the money you receive, so received = amount − fee
- Credit card payments: the sender pays the fee on top, so the card is charged amount + fee
- Amount to charge to net X = (X + fixed fee) ÷ (1 − rate), adjusted for any minimum or maximum
Example: to receive $200 from a goods & services payment at 2.99%, ask for $200 ÷ 0.9701 = $206.16 (the fee of $6.16 is rounded to the cent).
Default Venmo rates used here (US, personal accounts)
| Transaction | Fee | Who pays | Fee on $100 |
|---|---|---|---|
| Send money from balance, bank or debit card | Free | — | $0.00 |
| Send money with a credit card | 3% | Sender | $3.00 |
| Receive a goods & services payment | 2.99% | Seller (receiver) | $2.99 |
| Standard transfer to bank (1–3 business days) | Free | — | $0.00 |
| Instant transfer to bank or debit card | 1.75% (min $0.25, max $25) | You | $1.75 |
Because instant transfers are capped at $25, the effective rate drops on large transfers: moving $5,000 instantly costs $25, or 0.5%. If you can wait 1–3 business days, the standard transfer is free.
Frequently asked questions
How much is the Venmo goods and services fee?
The default here is 2.99% of the payment, paid by the seller. On a $100 sale the fee is $2.99 and you receive $97.01. Business profiles can have different rates; tick Edit rates to match yours.
How much does a Venmo instant transfer cost?
Instant transfers cost 1.75% of the amount, with a minimum fee of $0.25 and a maximum of $25. Standard transfers that take 1–3 business days are free.
Does Venmo charge for credit card payments?
Yes. Sending money funded by a credit card costs the sender 3%. Sending from your Venmo balance, a bank account or a debit card is free.
How do I make sure I receive the full amount?
Use reverse mode. For a 2.99% fee, divide the amount you want by 0.9701: to net $200, charge $206.16.
Why use goods and services instead of a personal payment?
Goods and services payments can qualify for Venmo's purchase protection, while payments between friends usually do not. The seller pays the fee for that protection.
Is this calculator from Venmo?
No. It is an independent estimate that runs in your browser. Venmo can change its fees, so check the fee shown in the app before you confirm a payment.
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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