Stripe Net Payout Calculator

A modern, high-precision tool to calculate the exact amount to charge a customer to ensure you receive a specific net payout after Stripe's processing fees (2.9% + $0.30).

This tool is designed for freelancers, MSPs, and small businesses who need to pass on credit card fees transparently and accurately.

✨ Features

• Glassmorphism UI: A sleek, modern "frosted glass" interface that looks great on any background.
• System Theme Support: Automatically switches between Light and Dark modes based on user OS settings.
• Precision Logic: Uses reverse-math formulas to account for fees being taken from the total charge, not the net.
• Detailed Breakdown: Shows a 4-step logic path including:
  • Base subtotal calculation.
  • Percentage fee scaling.
  • Rounding Variance: Tracks the fractional-cent difference between math and banking reality.
• One-Click Copy: Quickly copy the Surcharge amount to your clipboard for invoicing.
• Zero Dependencies: Pure HTML/CSS/JS. No frameworks, no tracking, no bloat.

🌐 Demo Site

Try it live at: https://surcharge.jpps.us

🧮 The Math

Most people mistakenly add 2.9% to their target price, but because Stripe takes 2.9% of the final total, you end up short. This tool uses the correct formula:

$$Total = \frac{Net + 0.30}{1 - 0.029}$$

💻 Usage

1. Clone or download this repo.
2. Open index.html in any modern web browser.
3. Enter your target payout and view the results instantly.

📦 File Structure

index.html       # Main calculator interface & Logic
README.md        # Project documentation

🔧 Customization

You can easily update the fee rates at the top of the <script> tag in index.html:

const STRIPE_FEE_RATE = 0.029; // 2.9%
const STRIPE_FIXED_FEE = 0.30; // $0.30

📜 License

This project is licensed under the MIT License. Feel free to use, modify, and share.

🙋‍♂️ Author

Created by Jeff Parrish PC Services Independent MSP specializing in IT solutions, automation, and client-friendly support flows.