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.
Fiverr takes a flat 20% seller fee. Upwork now charges a variable 0–15% per contract, shown before you accept and then fixed for that contract. But the platform cut is not the end: for a non-US freelancer, the money then passes through Payoneer, currency conversion, and bank fees before it reaches your account. This free calculator adds all of them up.
Usually about a 1% receiving fee (it varies by marketplace and is sometimes free), a flat withdrawal or bank fee of roughly $1.50–4, and a currency conversion markup of about 0.5–3.5% if you cash out in your local currency. Payoneer also charges a $29.95 annual fee if you receive under $6,000 in any 12 months. Enter your own rates to see your real total.
After the platform cut, the Payoneer receiving fee, currency conversion, and bank fees, a non-US freelancer often keeps meaningfully less than the price the client paid. The stacked fees commonly erode around 12–15% before the money reaches your bank, and the exact figure depends on your platform and payout path. The calculator shows your real take-home.
Work backwards from your target: divide it by the combined effect of the platform, receiving, and conversion fees, then add the flat bank fee. The calculator does this automatically — enter the amount you want to keep and it shows the gig price you should set to reach it.
Yes, it is free and runs entirely in your browser. It uses typical published rates verified against Fiverr, Upwork, and Payoneer as of July 2026, and you can edit any field to match your account. It is an estimate for planning only — not tax or financial advice — and it does not include your local income tax.