🌍 What You Actually Keep — International Freelancer Take-Home

Most calculators stop at the platform's cut. If you're a non-US freelancer, your money also passes through Payoneer, a currency conversion, and your local bank. Here's the real number — and what to charge to hit your target.

⚠️ Estimate only. Rates verified against Fiverr / Upwork / Payoneer official pages (Jul 2026) — but they change and vary by account, so edit any field to match yours. This is not tax or financial advice and does not include your local income tax (separate, varies by country).

What the client pays you (USD) Platform fee (seller service fee)

Fiverr is a flat 20%. Upwork is now variable 0–15% per contract (shown before you accept, then fixed) — enter your contract's rate. Verified Jul 2026.

Payoneer receiving fee %

Varies by marketplace: ~1%, or free (some payouts fold it into a flat withdrawal fee below).

Withdrawal / bank fee (USD, flat)

Fiverr→Payoneer $1–3; Payoneer→bank ~$1.50–4 (cross-currency can be 1.2–4%).

I withdraw in my local currency (apply conversion markup)

Currency conversion markup %

Payoneer 0.5%–3.5%; ~2% is typical.

Show in local currency (optional)

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Enter a price above to see what you really take home.

Heads-up: Payoneer also charges a $29.95 annual fee if you receive under $6,000 in any 12 months (some legacy/regional accounts use $2,000). Not included above.

Built by a freelancer who withdraws through Payoneer, not a US-tax calculator. Rates are typical published figures and can change — always confirm against your own account. Estimates for planning only; not legal, tax, or financial advice.