Not affiliated with FreshBooks ACH. Educational planning only.

Keep $99.00 on $100 after FreshBooks ACH 1% (2026)

Keep $99.00 on $100 after FreshBooks Payments USD Bank Transfer (ACH) 1% (caps may apply on Select plans). Sister FreshBooks Visa/MC 2.9%+$0.30 is /freshbooks-keep/ ($96.80); Amex 3.5%+$0.30 is /freshbooks-amex-keep/ ($96.20); Select caps you-type; plan $0. Monthly/plan typed $0, not inside KEEP. Not affiliated. Planning only.

realratecalc.com — planning keep only. Confirm on FreshBooks support USD payments fees ACH 1%.

Showing amounts in

Display currency — labels only, not a live converter

USD

Keep after FreshBooks ACH 1%

$99.00

Official FreshBooks Payments USD Bank Transfer (ACH) 1% (caps may apply on Select plans) You type Sister FreshBooks Visa/MC 2.9%+$0.30 is /freshbooks-keep/ ($96.80); Amex 3.5%+$0.30 is /freshbooks-amex-keep/ ($96.20); Select caps you-type; plan $0

$100 - 1% = $99.00. Plan $0. Planning only.

Fees

$6.30

Plan $

$0.00

Keep

$99.00

Sale $

ACH %

Per txn $

Monthly / plan $ (you type) - not in KEEP

Tax buffer $ (you type) - not a tax engine

11 more plannersOfficial starting keep $99.00. Plan $0 is typed, not in KEEP.

Plan / tier presets

Clickable. Starting number stays FreshBooks ACH 1% -> $99.00.

Monthly/plan (not in KEEP)

Typed line, default $0. Never baked into $99.00.

Monthly / plan $

$0.00

Monthly when the page opens is $0.

—

Type a monthly plan greater than $0 to count sales that cover the plan. Monthly is not inside KEEP.

Sale ladder

Same fees on $25 / $50 / $100 / $250 / $1,000.

$25$24.75

$50$49.50

$100$99.00

$250$247.50

$1,000$990.00

Monthly volume

Sales/month × this sale’s KEEP. Default 30.

Sales per month

$2,970.00

keep × n

List price for target keep

Solve gross for a target KEEP with this page’s fee stack.

Target KEEP $

$100.00

Solve G for target KEEP

Fee on this sale

Gross − KEEP for the current sale (page input or $100). Official math only.

Sale gross$100.00

$1.00

G − KEEP

Effective fee %

(G − KEEP) / G × 100 when G > 0. Uses this page’s KEEP, not an invented rate card.

1.00%

(G − KEEP) / G × 100

Weekly volume

Sales per week × this sale’s KEEP. Default 7.

Sales per week

$693.00

keep × n

Annual keep

Sales/year × KEEP (default 365), or 12 × monthly volume when that input exists.

Sales per year

$36,135.00

keep × n

Sales to hit monthly goal

Typed target monthly take-home ÷ KEEP. Default goal $5,000.

Monthly take-home goal $

ceil(goal / KEEP)

Units × keep

Quantity of identical sales × KEEP. Default 10.

Quantity

$968.00

qty × keep

Worked example · no click required

Default $100 -> $99.00 keep

FreshBooks Payments USD Bank Transfer (ACH) 1% (caps may apply on Select plans). Plan $0.

Gross G = $100.00
1% = $1.00 (monthly typed $0)
KEEP = $99.00
You type: Sister FreshBooks Visa/MC 2.9%+$0.30 is /freshbooks-keep/ ($96.80); Amex 3.5%+$0.30 is /freshbooks-amex-keep/ ($96.20); Select caps you-type; plan $0

Display currency

Works worldwide. Changes money labels only, not a live FX converter.

ActiveUSD

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The formula

KEEP = sale - 0.01x sale. Official: FreshBooks Payments USD Bank Transfer (ACH) 1% (caps may apply on Select plans). On $100 -> $99.00.

Keep $96.80 Shopify vs $99.00 FreshBooks ACH on $100 -- Start Shopify (Impact · FTC: affiliate)

Sources

FreshBooks USD payments fees (ACH 1% · Select caps may apply). Sister FreshBooks Visa/MC $96.80 · FreshBooks Amex $96.20 · Accounting KEEP board. Locked 2026-09-11. Affiliates none. Invent fees PARKED.

FAQ

How much do you keep on $100 with FreshBooks ACH?

When the page opens: KEEP $99.00. Official FreshBooks Payments USD Bank Transfer (ACH) 1% (caps may apply on Select plans). Formula: KEEP = sale - 0.01x sale. Sister FreshBooks Visa/MC 2.9%+$0.30 is /freshbooks-keep/ ($96.80); Amex 3.5%+$0.30 is /freshbooks-amex-keep/ ($96.20); Select caps you-type; plan $0. Monthly/plan typed $0. Planning only. Not affiliated. Source: FreshBooks USD payments fees (ACH 1% · Select caps may apply). Sister FreshBooks Visa/MC $96.80 · FreshBooks Amex $96.20 · Accounting KEEP board.. Also see real rate · day rate guide.

Worked KEEP math on $100?

Official KEEP $99.00. KEEP = sale - 0.01x sale. Fee on $100 = $1.00.

Is monthly/plan billed inside $99.00?

No. Typed $0 never baked into KEEP $99.00.

Is this affiliated?

Not affiliated with FreshBooks ACH. Shopify Impact bridge CTAs used. Educational planning only.

FreshBooks keepVisa/MC 2.9%+$0.30 FB Amex keepAmex 3.5%+$0.30 Accounting compareFB · Wave · QB · Xero Wave Bank keepACH 1% min $1 QB ACH keepACH 1% All KEEP hubsDirectory of every KEEP hub