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SaaS Fee Calculator

Compare take-home revenue across Stripe, PayPal, Paddle, Lemon Squeezy, Polar, and Creem.

See estimated fees, take-home revenue, and fee drag based on your business mix, including international cards, refunds, chargebacks, and SaaS tax workflow ownership. Compare merchant-of-record providers against direct checkout before you commit.

Global SaaS coverage Model cross-border cards, VAT/GST pressure, and local checkout tradeoffs.
Realistic scenarios Refunds, chargebacks, and card mix are built in.
Transparent sources Every estimate links back to public pricing.

Updated August 9, 2026. Estimates are for planning; always verify provider pricing before launch.

Your business inputs

$

Average order value: $50

35%
3%
0.3%
Use this for Stripe vs Paddle decisions, low-ticket SaaS plans, MoR pricing checks, and finance handoff notes.

Best estimated take-home

Calculating the best option...

Provider - - after estimated fees
Estimated fees -
Fee drag -
Runner-up gap -
Decision note

Change the inputs to see why the recommendation changes.

Next step Review the winner's pricing

Provider comparison

Sorted by estimated take-home revenue for the inputs above.

View pricing sources
Provider Integration type Est. take-home Est. fees Fee drag Runner-up gap Payout speed MoR Key trade-offs Pricing source
New focus Need a tax calculator for SaaS before choosing Stripe Tax, Paddle, or Lemon Squeezy? Use the fee calculator for payment drag, then check who owns sales tax, VAT, invoices, refunds, filing, and buyer support.
Open tax calculator for SaaS Stripe Tax vs Paddle Sales tax software

How the SaaS fee calculator works

  • We model your mix of revenue, orders, card geography, refunds, and chargebacks.
  • Provider pricing is applied to estimate take-home revenue and fee drag.
  • Estimates are directional; always verify final numbers with each provider.

Start with a recent representative month rather than a best-case forecast. Enter successful paid orders, gross product revenue, international-card share, refunds, and chargebacks from the same reporting period so the comparison uses a consistent base. If your sales are seasonal, repeat the calculation with a slower month and a peak month instead of treating one result as an annual forecast.

Compare direct payment processors with merchant-of-record providers as different operating models, not only as fee percentages. A merchant of record may handle more tax, invoice, refund, and buyer-support work, while a direct processor can leave those responsibilities with your business. Review the linked pricing sources and confirm country, card, payout, dispute, and custom-plan terms before making a checkout decision.

The result is a planning estimate, not a provider quote or accounting record. Reconcile the selected option against an actual statement or provider pricing page before launch, and rerun the inputs when your price, customer geography, refund rate, or payment mix changes.

FAQ

How accurate are these estimates?

The estimates are directional planning numbers. Provider pricing, custom plans, card mix, taxes, refunds, and disputes can change the final amount.

What's included in the fee drag?

Fee drag includes estimated transaction fees, fixed per-order fees, international card uplift, refund assumptions, chargeback assumptions, and any provider monthly fees in the calculator data.

What does MoR mean?

MoR means merchant of record. In SaaS payments, it usually refers to a provider that can take on more seller-of-record work such as tax handling, invoices, refunds, disputes, and buyer-facing payment operations.