Getting-paid tools
Quote gross-up calculatorDecide what you want to keep, then back out what to charge — with the fee priced in.
If you quote $1,000 and assume you'll keep $1,000, you'll usually be let down: the platform fee, fixed fee and FX loss come off first. The right move is to work backwards — set the amount you want to keep, then back out what to charge. Enter your target take-home and expected fees, and the tool gives you the quote and checks the take-home back out.
For the percentage fee, add up all your proportional costs — platform fee, currency conversion, cash-out loss — into one number; the fixed fee is the flat charge that doesn't scale. Rates go by each platform's official page; this just does the back-out arithmetic.
Expected deduction US$0.00 · check take-home US$0.00
Why back it out instead of quoting then hoping
Fees are charged on the quoted amount, so if you quote first and only notice the deduction afterwards, the gap comes out of your pocket. The back-out logic is simple: let the quote be Q; the percentage fee is Q times the rate, plus a fixed fee, and what's left must equal your target take-home. Solve it and the quote is (target take-home + fixed fee) divided by (1 − rate). Quote that, and after all deductions you land exactly on the number you wanted.
To pick the rate to use, estimate with the PayPal receiving fee calculator or Wise vs Payoneer; for the full pricing approach, read if your quote ignores these, you work part of it for free.
FAQ
What rate should I enter?
Add up every proportional cost on your receiving path: the platform's percentage fee, currency conversion, local cash-out loss. If unsure, estimate a range with the matching calculator and lean slightly conservative.
Won't the client think I've quoted high?
You're just costing fees into the quote, like any business. If you're concerned, agree on a cheaper channel with the client; the rate drops, and so can the quote.
Why does the quote shoot up near a 100% rate?
Because the more that's taken, the higher you must quote to keep the same take-home — a sign it's time to change channels. The tool caps the rate to avoid meaningless numbers.