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 July 7, 2026. Estimates are for planning; always verify provider pricing before launch.

Your business inputs

Monthly revenue Total product revenue before provider fees.

Monthly paid orders Successful subscription or checkout payments.

Average order value: $50

International cards Share of card payments from cross-border buyers.

35%

Refund rate Percent of revenue refunded.

Chargeback rate Percent of paid orders disputed.

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

Read guide Open 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 estimate 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.

Useful next pages

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.