💼 Connected Toolkit  ·  🇺🇸 USA 2026

USA Freelance Platform
Fee Calculator

See exactly what you keep after platform fees, payment processing, withdrawals, and taxes — instantly.

Connected Toolkit
⏱ Hourly Rate 💸 Platform Fees 🏛️ Tax Estimator 🎯 Goal Planner 📊 Budget Planner
Standalone + Toolkit

Open Platform Fees directly, or continue the guided toolkit path.

This page works on its own for fee comparison, but it also sits between Hourly Rate and Tax Estimator in the connected flow.

Toolkit Home Open Hourly Start Next: Tax Estimator
Use this calculator separately for client-pay vs keep comparisons, or move forward with the pre-tax amount into tax planning.
USA Freelance Calculator

Know exactly what you keep after platform and payout fees

Compare payout impact instantly. Get a clear best-platform recommendation for your situation.

No Sign-Up
Saved in Your Browser
Instant Results
PNG & PDF Export
⚡ Tap-to-Calculate
📈 Live Comparison
Results update live as you type — no button needed  ·  Saved in your browser
⚡ Auto-filled from Hourly Rate Calculator
Client Pays
I Want to Keep
Primary Setup

Enter amount & choose fee conditions

Live results — no button needed.
Client Is Paying ($)
Live results update as you type.
$250
$500
$1,000
$2,500
$5,000
Current Settings
Upwork 10% • $0 withdrawal
Select a platform & add-ons below.
Mode: Client Pays
Processing: Off
Taxes: Off
🏢 Platform
Upwork 10%
Fiverr 20%
Freelancer 10%
Toptal 0%
Guru 8.95%
PPH 20%
Custom
⚡ Upwork now charges a flat 10% fee on all marketplace contracts. Some special programs may vary from 0–15%.
🔧 Add-ons
Payment Processing
Stripe/PayPal
International Client
+1.5%
Currency Conversion
+2.0%
🧾 Tax Planning
Off
Smart (Recommended)
25%
30%
35%
Custom
Forward Tax Setup
Tax currently off

Enable smart or manual tax planning to preview retained income after platform deductions.

Tax Off
Estimated Tax Reserve
Off
No tax estimate is currently applied.
SetupSingle • Federal only
Annual Income$96,000
Business Expenses$0
Derived Profit$96,000
Quarterly Reserve$0
Custom Tax Rate (%)
Use this when you want your own reserve percentage instead of the smart estimate.
Estimated Annual Freelance Income
Use annual freelance income before business expenses.
Quick Income Picks
$25k
$50k
$75k
$100k
$150k
$250k
Annual Business Expenses
Smart tax uses profit after business expenses.
Expense Guide
0%
10%
15%
20%
30%
Expense quick picks auto-fill a percentage of annual income.
Annual Profit Used For Smart Tax
$96,000.00
Derived automatically from annual income minus business expenses.
Filing Status
State Layer
Tax estimation is turned off.
⚡ Quick Presets
Realistic US Freelancer
Clean Slate
💡 Clean Slate is default. Tap Realistic US Freelancer for a real-world estimate. Use Reset for a fresh start.
Advanced Options
▼
Processor Preset
Processor % Fee
Processor Fixed ($)
Withdrawal Fee — Quick Select
$0 Free
$0.30
$0.99
$2
$3
$5
Custom
Upwork: $2 (ACH) / $30 (wire) · Fiverr: $2 bank, $3 PayPal · Freelancer: $2
Self-Employment Tax (US)
15.3%
Fees Too High!
Total fees exceed 99%. Please reduce your fee percentages.
Live Result
You Receive
$900.00

After platform fees & all selected deductions.

Client Pays Mode
Base Fees Only
Platform: Upwork
90% You Keep 10% Platform
$900.00 kept $100.00 lost
Platform Fee
$100.00
Marketplace deduction
Total Fees
$100.00
Combined deductions
Effective Rate
10.0%
Total fee share
Withdrawal Fee
$0.00
Selected payout fee
Send to Next Tool

Move the right amount into the next calculator

Client Pays
You Receive (pre-tax)
📊 Platform Comparison

Make the better payout decision faster

Instantly compare all major platforms side-by-side to find where you keep the most.

Platform Client Pays You Keep VS Current

Platform fees only; taxes excluded.

Live estimate based on your current fee, add-on, and tax settings  ·  Use for planning, not formal tax advice