Calculate What You Need to Invoice to Receive Your Target Payout

The reverse fee calculator works backwards from your target net payout. Instead of subtracting fees from an existing total, it computes the gross invoice amount you must request so that after gateway processing percentages, fixed transaction fees, and FX conversion markups are deducted, your net received amount equals your target payout.

Payment gateways deduct processing fees (a percentage plus a fixed fee) and often apply currency conversion markups on international payments. To receive your desired target payout, your gross invoice total must include these expected deductions.

Yes. RemitScale factors in live market exchange rate data and typical provider currency conversion spreads for cross-border currency pairs.

No. Calculations are estimates based on published provider rates and selected inputs. Actual payouts can vary based on custom account pricing, regional tax rules, intermediary bank fees, or dynamic exchange rate shifts at settlement.

RemitScale supports major payment gateways including Stripe, PayPal, Wise, Payoneer, Airwallex, Paddle, Lemon Squeezy, Square, Braintree, Adyen, Checkout.com, Shopify Payments, and custom fee configurations.

Yes. Once your calculation is complete, click "Generate Invoice" to automatically populate your calculated gross total into a professional PDF client invoice.

Different payment processors charge varying merchant percentage rates, fixed per-transaction fees, and FX conversion markups. Comparing gateways side-by-side helps identify the most cost-effective provider for your specific target payout.

A net-to-gross calculator works backward from the amount you want to receive. Instead of starting with an invoice amount and subtracting fees to see what's left, you enter your target payout, and the calculator determines the gross invoice amount needed to reach it after payment processing fees and currency conversion.

"Grossing up" means adding enough to your invoice so that after your payment gateway deducts its fees, you still receive your full target amount. RemitScale automates this calculation — enter your target payout and gateway, and it returns the gross invoice figure to request.

The gross amount is what you invoice the client. The net amount is what actually lands in your account after payment gateway fees (and currency conversion, for international payments) are deducted. These two figures are rarely the same — the gap is exactly what this calculator solves for.

Yes — this is the core function of the Reverse Fee Calculator. Enter the amount you need to receive, select your payment gateway and currencies, and the tool calculates the invoice amount required to reach that target, accounting for the gateway's fee structure and current exchange rates.

It generates a draft message you can send your payment provider requesting lower processing fees, based on your transfer volume, service type, and preferred tone. It's a starting point for a real conversation with your provider, not a guaranteed rate reduction.

No. It generates example contract wording for communicating who covers payment processing fees on an invoice. It's a communication aid, not formal legal advice — verify any clause against your local regulations before using it in a binding agreement.

It applies a tax reserve percentage (adjustable, with reference ranges shown per country/region and business structure) to your invoice total to estimate what to set aside and what you'd take home net. These are general reference ranges, not tax advice — consult an accountant for your actual obligations.

The settlement cycle reflects typical processing time for your selected payment gateway, but actual arrival depends on intermediary banks, weekends/holidays, and your provider's compliance checks — treat it as an estimate, not a guarantee.

It saves a client's preferred gateway, target payout amount, tax settings, and fee mode so you can reuse them without re-entering data. Saved profiles are available both in the calculator and in the Invoice Generator, and are stored only in your browser.

It's a local log of invoices you've added, where you manually mark each one's status as Pending, Received, or Overdue (with the option to delete entries). It doesn't update automatically — you control the status. Use "Export as CSV" to download your records; data is stored only in your browser and isn't backed up elsewhere, so export regularly if you rely on it.

Based on how many invoices you send per year, it projects your total annual cost from payment processing fees at your current settings — an estimate to help you see the cumulative impact of fees over a full year, not a single transaction.