The fee intelligence layer for payment gateways

Know exactly what you receive. Down to the cent, and to the hidden FX cent.

PayUtility calculates your true net after PayPal, Stripe, Wise, Payoneer and wire fees — then exposes the 3–4.5% currency markup those receipts hide. No sign-up, no server, no tracking.

Calculate your true net Inspect the FX spread

100% client-sideNo sign-upNo trackingInstant results

Real-time comparisons forPayPalStripeWisePayoneerSWIFT

The toolset

Four modules. One number: your real payout.

Every tool runs on the same engine, so the numbers agree whether you're pricing an invoice forward, backwards or across a currency corridor.

Module 01

Forward Fee Calculator

Your client pays $1,000 — see the exact amount that lands in your account after processing fees, fixed costs and hidden FX markup.

Calculate your net

Module 02

Reverse Invoice Calculator

Want to keep exactly $1,000 net? Get the gross invoice amount that covers every gateway cost so your margin stays intact.

Work backwards

Module 03

Hidden FX Spread Inspector

Compare PayPal, Stripe, Wise and Payoneer conversion rates against the mid-market rate and expose the 3–4.5% markup.

Expose the spread

Module 04

PDF Invoice Builder

Generate a clean, print-ready PDF invoice with an optional Processing Fee Buffer line item so clients cover gateway costs.

Build an invoice

The hidden cost

Your gateway shows you the fee. It never shows you the spread.

PayPal's 3.49% + $0.49 is printed on every receipt. The 3.5–4.5% currency conversion markup is not. Wise converts near mid-market at 0.43%; PayPal quietly converts ~3.9% worse. On a $10,000 cross-currency payment, that's $300–450 vanishing without a line item.

Inspect the spread on your amount

$10,000 USD → INR — what you actually get

Mid-market (Google)₹8,420

Wise₹8,383

Payoneer₹8,378

Stripe₹8,336

PayPal₹8,091

Hidden markup between best & worst₹292

Why PayUtility wins

Built for 2026. The 2012 fee calculators can't compete.

Competitors bury buttons under ads, skip currency conversion entirely and run 20-year old layouts. Here's the difference, point by point.

Comparison between PayUtility and legacy fee calculators.
Feature	PayUtility	Legacy calculators
Clean 2026 dark UI, zero clutter	Yes	No
Ads that never cover inputs or buttons	Yes	No
Hidden 3–4.5% FX markup exposed	Yes	No
5-gateway side-by-side comparison	Yes	No
Country-specific presets	Yes	No
Client-side PDF invoices with fee buffer	Yes	No
Runs 100% in your browser	Yes	No

Country presets

Localized fee logic in one click

USA at 3.49% + $0.49, India's brutal 4.4% cross-border corridor, plus UK, EU, Canada, Australia and Global. Swap presets and every number re-prices instantly.

Multi-gateway comparison

PayPal vs Wise vs Stripe, side-by-side

See all five providers sorted by what you actually receive. The best gateway is highlighted with an emerald pill and the savings vs the worst is itemized.

Browser privacy

100% client-side. Zero server. Zero tracking.

Every calculation runs in your browser's memory. Your amounts never touch a server — the only network call is a direct mid-market rate lookup from the public exchange API.

gateways compared at once

4.4%

worst-case cross-border fee

$300+

hidden markup on $10k PayPal FX

0 ms

server latency — 100% local

Stop losing money to fees you never see.

Run one calculation and you'll never accept a PayPal conversion rate again. Free, instant and private.

Calculate your first payout Build a fee-buffered invoice