Stripe Fee Calculator for SaaS Solo Founders
Free stripe fee calculator for SaaS and bootstrapped founders. Estimate net revenue after Stripe processing fees, optional Billing add-on, and international surcharges — before you lock a subscription price.
What are Stripe fees for micro-SaaS?
Stripe fees are the cut payment processing takes from every successful charge. For most US solo founders selling online subscriptions, the baseline is 2.9% plus thirty cents per card payment. That is the number people quote — and it is incomplete if you also use Stripe Billing.
Stripe Billing adds roughly 0.7% of billing volume on the pay-as-you-go plan for recurring subscriptions, retries, and the customer portal. A good stripe fee calculator for SaaS should show both layers so net revenue after Stripe fees matches what actually lands in your bank.
How to use this calculator
Enter your monthly subscription price and paying customer count. Defaults use the common US online card rate (2.9% + $0.30) and include Stripe Billing at 0.7%.
Optionally raise the international customer share to model the typical +1.5% cross-border surcharge, or turn Billing off if you only process one-off charges. The results show gross MRR, total fees, net MRR, effective fee rate, and annual totals.
Copy the link to save a scenario before you lock a price. Use the related reading below for Stripe billing setup and solo-founder pricing when you are choosing a plan amount, not just wiring Checkout.
Why fee math changes your price
Founders often set $9 or $12 because it feels easy to buy. After Stripe, that price can leave thin margin for hosting, support, and your time. Raising to $29 or $49 usually shrinks the effective fee rate and the customer count you need for the same net income.
Run two scenarios side by side: your current price and the next tier up. If net MRR barely moves while support load doubles at the cheaper plan, the spreadsheet is telling you to charge more — not to optimize Checkout copy.
Frequently asked questions
What are Stripe fees for a SaaS subscription?
For US domestic online cards, Stripe's standard processing rate is 2.9% plus $0.30 per successful charge. If you use Stripe Billing for subscriptions, add about 0.7% of billing volume on the pay-as-you-go plan. This stripe fee calculator for SaaS stacks those layers so you see net revenue, not just list price.
How do I calculate net revenue after Stripe fees?
Multiply price by customers for gross MRR, then subtract fees. Per charge, fees are roughly price × percent rate + fixed fee, plus the Billing add-on if you use it. This stripe processing fee calculator shows monthly and annual net so you can price with take-home in mind.
Do low subscription prices get hit harder by Stripe fees?
Yes. The fixed $0.30 fee is a larger share of a $9 plan than a $49 plan. At $9, processing alone is about 6.2% before Billing. That is why many micro-SaaS founders avoid ultra-cheap monthly prices — micro-SaaS Stripe fees eat margin before support costs even start.
What about international cards and Stripe Billing?
Non-US cards often add about 1.5% on top of the base rate, and currency conversion can add more. Stripe Billing's 0.7% applies to subscription billing volume on the pay-as-you-go plan. Toggle Billing and international share in this subscription payment fees calculator to stress-test your mix.