Real Data Calculator
Your Real Stripe Fee Rate Isn't 2.9%
Most fee calculators ask you to enter a transaction amount and estimate the cost. That's useful for one transaction. Your actual effective rate — across hundreds of real charges — is different, and it depends on your specific customer mix.
Stripe Fee Auditor is built for SaaS, ecommerce, subscription, and marketplace teams that need a Stripe fee calculator based on actual Balance CSV exports instead of averages.
Why the difference matters
Published rate
2.9%
Stripe's standard US rate
Typical effective rate
3.1–3.4%
After international cards + refunds
With high intl. volume
3.5–4.2%
30%+ international customers
Example: At $50,000/month in revenue, a 3.3% effective rate vs 2.9% published rate is $200/month extra — $2,400/year. Knowing what's driving it tells you what to actually do about it.
Estimator vs real data analysis
Fee Estimator
- —Enter a transaction amount
- —Get Stripe's published fee
- —Assumes standard rate
- —No history or trends
Stripe Fee Auditor
- ✓Upload your real Balance CSV
- ✓Actual rate from real transactions
- ✓Monthly trend and MoM change
- ✓Specific transactions driving costs
What you get from the analysis
Effective rate for the period
Your actual fee rate across all charges — not an estimate based on inputs.
Month-over-month change
See if your rate went up, down, or stayed flat. In dollars, not just percentages.
Top fee drivers
Which specific transactions had the highest fee rate and why (international card, micro-transaction, etc).
Charge fees vs other fees
Processing fees separated from Radar, dispute fees, and refund-related costs.
Common questions
Is this a Stripe fee estimator or a real calculator?
Stripe Fee Auditor calculates your real effective Stripe fee rate from your Balance Transactions CSV. It is not just a single-transaction estimator using the published 2.9% + $0.30 rate.
What file do I need to calculate my Stripe effective fee rate?
You need the Stripe Balance Transactions CSV export. It includes the transaction amount, fee, net amount, currency, type, and timestamp needed for an accurate fee analysis.
Why can my effective Stripe rate be higher than the published rate?
International cards, currency conversion, refunds, Radar charges, disputes, and micro-transactions can all push your blended effective rate above Stripe's standard published rate.
Calculate from your real data
Export your Stripe Balance CSV and upload it. See your actual effective rate in 30 seconds — no account needed.
Analyze My Fees →No account · CSV not stored · Results in 30 seconds