💼 Connected Toolkit  ·  🇺🇸 USA 2026

Freelance Platform Fee Calculator

See what you keep after editable platform and payout fees, or reverse-calculate what a client should pay for your target amount.

Connected Toolkit
⏱ Hourly Rate 💸 Platform Fees 🏛️ Tax Estimator 🎯 Goal Planner 📊 Budget Planner 📱 Android App
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.

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Instant Results
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⚡ 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
Fee preset guidance. Preset rates are illustrative starting points, not universal platform rates. Your actual account or contract fee may differ. Use the fee shown in your account when available, or choose Custom to enter the exact rate.
Upwork currently documents freelancer service fees from 0% to 15% per contract, with the applicable rate shown before you submit or accept the contract.
Assumptions: platform fees, special programs, payout methods, currencies, regions, and account terms can change. Confirm the amounts shown by your platform or payout provider before relying on an estimate.
Last reviewed: September 26, 2026
Official sources: Upwork · Fiverr · Freelancer.com · Toptal · Guru · PeoplePerHour
🔧 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
Withdrawal and payout fees vary by method, location, currency, and account. Enter the amount shown by your platform or payout provider.
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
Freelancer fee planning

How the Freelance Platform Fee Calculator Works

Client Pays starts with the project amount and subtracts the editable platform fee plus any payment, payout, or optional tax assumptions you turn on. I Want to Keep works in reverse: enter the amount you want to retain and the calculator estimates the client charge needed to support that target under the same fee setup.

  1. Enter the client amount or your target keep amount.
  2. Use a preset only as a starting point, or choose Custom and enter the fee shown in your own account or contract.
  3. Add only the processor, payout, or tax assumptions that actually apply to your situation.
  4. Review the live result, comparison, and next-tool handoff before using the number in a quote or plan.

Platform Fee Worked Example

Client Pays example: with a $1,000.55 project amount, an illustrative 10% platform fee, and no extra processor, payout, or tax deductions, the calculator keeps cent-level line-item rounding and shows $900.49 retained.

I Want to Keep example: under the same illustrative 10% fee and no extras, a $1,000.55 keep target requires a client charge of $1,111.72.

These are calculator examples, not claims that every platform charges 10%.

Why Fees Differ

Actual freelancer fees can vary by platform, contract, account, program, payout method, location, and currency. Upwork currently documents a freelancer service fee that can range from 0% to 15% per contract, while Fiverr's earnings guidance generally describes freelancer earnings as 80% of the completed order amount. Your own account or contract is the source of truth for the rate that applies to you.

That is why this tool keeps platform rates editable instead of treating one preset as a universal fee.

Upwork and Fiverr Fee Examples

Start with a $1,000 project or order amount. These examples exclude taxes, processor and payout charges, currency conversion, and fees paid separately by the client.

  • Upwork, illustrative 10% contract fee: $100 in platform fees leaves $900 before other deductions.
  • Upwork, illustrative 15% contract fee: $150 in platform fees leaves $850 before other deductions. Upwork documents a 0%–15% fee per contract; enter the percentage shown on your own proposal, offer, or contract.
  • Fiverr, 20% deduction: $200 in platform fees leaves $800 before other deductions. Fiverr documents freelancer earnings of 80% of the completed order amount.

Working backward on Fiverr: to retain $1,000 before other deductions, a 20% platform fee requires a $1,250 order amount ($1,000 ÷ 0.80). To reproduce this example, apply Clean Slate to clear saved add-ons, select Fiverr, switch to I Want to Keep, and enter $1,000 with the goal set to Before Tax. Leave processor, payout, international, currency-conversion, and tax deductions off.

Check the official Upwork fee guidance and Fiverr earnings guidance for the terms that apply to your work.

Platform Fee FAQ

Should I use a preset or my exact account fee?

Use the exact fee shown in your account or contract when you have it. Presets are faster for scenarios, but they are not universal platform rates.

What does I Want to Keep calculate?

It reverses the fee setup to estimate the client charge needed for your chosen keep target. This is useful when you know the amount you need to retain after selected fees.

Does the result include taxes automatically?

No. Tax planning is optional on this page. For a fuller US freelancer tax estimate, send the pre-tax amount to the Freelance Tax Calculator.