This is not the homepage, not PayPal invoicing, and not Stripe vs Wise
The homepage calculator turns a yearly target into an hourly or project floor (example there: $80,000 ÷ (1 − 0.30) ÷ (48 × 25) ≈ $95.24/hr). This page does not redo that division. You paste the keep — often a $2,000 project total you already set on the hub — and invert only the marketplace percent, then subtract a withdrawal leftover.
PayPal invoice fees is a different product: a US PayPal invoice paid with Checkout / Venmo / Guest is published at 3.49% + $0.49 (same $2,000 keeps $1,929.71 on that page). Stripe vs Wise is the off-marketplace payment method: Stripe US card 2.9% + 30¢ (same $2,000 keeps $1,941.70); Wise domestic non-wire receive is listed free. Do not paste 3.49 or 2.9 into this card. A marketplace contract is not an invoice you host.
Job of this URL: sit under official Upwork and Fiverr help as the freelance two-step gross-up. Confirm the live marketplace percent on the offer or earnings screen, and the live withdrawal leftover in each dashboard. We are not trying to outrank their fee pages.
Two formulas — typed percents only
Marketplace keep = billed × (1 − platform percent). Then take-home = marketplace keep − processor leftover (and, on Fiverr only if you opt in, × (1 − Early Payout percent) on earned revenue before that leftover). Reverse it when you write the bid or gig: list = (floor + leftover) ÷ (1 − platform percent). If Early Payout is on: list = (floor + leftover) ÷ ((1 − seller cut) × (1 − 1%)).
Upwork default in the card is 10% because that is the walkthrough Upwork publishes on its fee calculator and help article — not because every 2026 contract is 10%. The published range is 0% to 15% per contract. Fiverr default is 20% because Help states you earn 80% of the purchase amount. Processor default is $0 because US ACH (Upwork, US tax address) and Fiverr PayPal withdrawal are listed free / $0. If your offer, earnings, or withdraw screen shows a different figure, paste it. Do not copy a blog’s blended rate.
Same $2,000 billed, other official marketplace rows
Hourly check using the same published percents. Tax set-aside stays on the hub.
- Upwork 0% (bottom of the published range) + US ACH $0: billed $2,000 keeps $2,000. To keep $2,000, list = $2,000. 0% is in the official range, not a promise — confirm the offer screen.
- Upwork 15% (top of the published range) + US ACH $0: $2,000 × 0.85 = keep $1,700. To keep $2,000, list = $2,000 ÷ 0.85 = $2,352.94. To keep $50/hr, list = $50 ÷ 0.85 = $58.82.
- Upwork 10% + Instant Pay $2.00: marketplace keep $1,800 − $2.00 = $1,798. To keep $2,000, list = $2,002 ÷ 0.90 = $2,224.44.
- Upwork 10% + local bank $0.99: keep $1,799.01. To keep $2,000, list = $2,000.99 ÷ 0.90 = $2,223.32.
- Upwork 10% + USD wire $50.00: keep $1,750. To keep $2,000, list = $2,050 ÷ 0.90 = $2,277.78.
- Upwork 10% + international-tax-address ACH: Help lists this as 2.99 effective September 1st, 2026 (USD-denominated sibling rows; the public HTML does not print a $ on that line). Planning keep $1,800 − 2.99 = $1,797.01. Paste the amount your withdraw screen shows.
- Fiverr 80% + PayPal $0: keep $1,600. To keep $2,000, list = $2,500. To keep $50/hr, list = $50 ÷ 0.80 = $62.50.
- Fiverr 80% + Early Payout 1% + PayPal $0: $1,600 × 0.99 = keep $1,584. To keep $2,000, list = $2,000 ÷ 0.792 = $2,525.25.
Upwork’s own help uses a $20/hr floor at 10%: charge $22.22/hr. Same math as $50 ÷ 0.90 = $55.56. Their $500 billed at 10% → $450 payout is the same 10% used above, scaled.
Upwork freelancer service fee (official, opened 2026-09-01)
From Learn about the Freelancer Service Fee: the fee ranges from 0% to 15% per contract. You see the percent when a client sends an offer or you submit a proposal. Once a proposal, offer, or contract is sent, that fee is locked for that contract and can differ on the next one. Built-in calculator estimates net pay after the fee. Rounding can move net a cent versus 12 × hourly keep.
From Upwork Fee Calculator: fees can vary between 0% and 15% on all earnings including bonuses, hourly, fixed-price, and Project Catalog. Published example: 10% on a $500 bill → $450 payout.
Exceptions on the same help article (opened 2026-09-01) — percents only where the HTML prints them:
- Upwork Payroll: excluded from the Freelancer Service Fee (paid through a third-party staffing firm).
- Any Hire: you will not pay a Freelancer Service Fee.
- Direct Contracts: a reduced Freelancer Service Fee. The public HTML does not print that reduced percent. Paste it from the Direct Contract screen — do not invent it here.
- Enterprise: typically 10%, customized per the client’s program terms. Confirm with the Enterprise contact.
Upwork processor leftover (official withdrawal HTML)
Opened 2026-09-01 from How to get paid on Upwork. Bank-transfer rows that print a number:
- Direct to U.S. Bank (ACH): free for freelancers with a US tax address.
- Direct to U.S. Bank (ACH): 2.99 for freelancers with an international tax address, effective September 1st, 2026 (as printed).
- Direct to Local Bank (outside of U.S.): $0.99 USD per transfer.
- U.S. Dollar Wire Transfer: $50.00 USD per transfer.
- Instant Pay for U.S. freelancers: $2.00 USD per transfer.
Third-party rows on that page name PayPal, Payoneer (outside the U.S.), and M-Pesa (Kenya only) and do not print a percent or fixed fee for those providers. If you withdraw to PayPal, the leftover is user-type: paste what PayPal or your withdraw screen shows. Do not reuse this site’s PayPal invoicing 3.49% + $0.49 on an Upwork withdrawal — that table is for invoices you send, not marketplace payouts. Some banks or vendors may charge on their end; this page does not invent those amounts.
Fiverr seller cut (official, opened 2026-09-01)
From Your earnings page: for every order you complete, you earn 80% of the purchase amount, including Gig extras and tips. That is a 20% seller cut on the purchase amount. Amounts on that page are before taxes. From How Fiverr works for freelancers: after an order is completed, freelancers receive 80% of the client’s cleared payment, and funds are subject to a 14-day clearing period (shorter for eligible programs such as Top Rated or Fiverr Pro).
Do not mix a buyer checkout fee into this gross-up. That is charged to the client. Your 80% is on the purchase amount. This page does not print a buyer percent because that figure was not taken from a seller-earnings HTML we opened here. Grossing the buyer fee on top of 20% will overprice the gig.
Fiverr processor leftover (official withdrawal + Early Payout HTML)
Opened 2026-09-01 from Withdrawing your earnings & managing payout methods and Early Payout:
- PayPal: transfer 24 hours, withdrawal fee $0 USD, minimum $1 USD.
- Bank Transfer (via Payoneer): $1 USD, minimum $20 USD.
- Payoneer Account: $3 USD, minimum $10 USD.
- Fiverr Revenue Card: $1–$3 USD, discontinued December 2022, existing cardholders only. Not a planning default for new sellers.
- Early Payout (optional, eligible freelancers): 1% of the total clearing amount, calculated on earned revenue only, not the full order. Hourly orders are not eligible. You still withdraw through the standard process after it clears.
A provider-side fee after Fiverr’s listed $0 / $1 / $3 is user-type. Paste it if your PayPal or Payoneer screen shows one. Do not invent a percent. Withdrawals up to $5,000 USD per transaction are what that article prints; it is a cap, not a fee.
What this page will not invent
- A US/UK tax engine. Tax, VAT, and self-employment live in the buffer you set on the hub.
- A Direct Contracts percent. Help says “reduced” and does not print the number in the freelancer-service-fee HTML we opened.
- An Upwork PayPal / Payoneer / M-Pesa withdrawal percent. Those methods are named without a published cut on the get-paid article.
- A Fiverr buyer checkout percent. Seller HTML we opened credits 80% of the purchase amount; buyer fees stay on the buyer.
- Connects, Promoted Gigs, Fiverr Ads CPC, or Seller Plus subscription. Add those as expenses on the profitable-rate tool if they are material.
- Affiliate IDs. There are none.
Homepage calculator — set the keep floor Stripe vs Wise take-home PayPal invoice fees How to set your rate
Product marketplaces (Etsy, Shopee, TikTok Shop) use a different fee stack — see the seller-fee calculator. This guide is freelance platform take-home only.
Official sources
- Upwork: Learn about the Freelancer Service Fee — opened 2026-09-01
- Upwork Fee Calculator — opened 2026-09-01
- Upwork: How to get paid on Upwork — opened 2026-09-01
- Fiverr: Your earnings page — opened 2026-09-01
- Fiverr: How Fiverr works for freelancers — opened 2026-09-01
- Fiverr: Withdrawing your earnings — opened 2026-09-01
- Fiverr: Early Payout — opened 2026-09-01
FAQ
How much do you keep after Upwork fees on a $2,000 contract in 2026?
Official range is 0% to 15% per contract. At Upwork’s published 10% walkthrough, $2,000 keeps $1,800 after the marketplace cut. US ACH is listed free for a US tax address → still $1,800. Instant Pay $2.00 → $1,798. Wire $50.00 → $1,750. Gross the list to $2,222.22 if the hub floor is $2,000 and ACH is $0. Last opened 2026-09-01 on Upwork Help and the fee calculator. Paste the live offer percent — 10% is their example, not every contract.
How much do you keep after Fiverr fees on a $2,000 gig in 2026?
Fiverr Help states you earn 80% of the purchase amount (extras and tips included), so $2,000 keeps $1,600 after the marketplace cut. PayPal withdraw is listed $0 USD → still $1,600. Bank via Payoneer $1 → $1,599. Payoneer Account $3 → $1,597. Early Payout, if used, is 1% of earned revenue ($16 on $1,600) then the withdraw leftover. Gross the list to $2,500 to keep $2,000 after 20% + $0. Last opened 2026-09-01 on the earnings-page article.
Should I add tax on top of the marketplace fee?
Not in this formula. Build tax into the floor on the homepage calculator with your own buffer. Then list = (floor + leftover) ÷ (1 − platform percent). This is a planning model, not tax or legal advice.
When do I use this page versus PayPal invoice fees or Stripe vs Wise?
Use this page when the job is an Upwork contract or a Fiverr gig. Use PayPal invoice fees when the client pays a PayPal invoice you send. Use Stripe vs Wise when they pay a Stripe checkout/card or a Wise local transfer. Do not stack a marketplace cut and an invoice payment method on the same $2,000.
Where do I compare marketplace fees and Shopify $96.80 after I plan this rate?
Use the seller fee index + CSV (2026-09-19) for same-input KEEP ladders, then compare ranker, break-even, and Shopify KEEP $96.80 on $100 for the own-store path. Planning only — before COGS, shipping, ads, taxes.
Is the Shopify $96.80 KEEP an affiliate link?
Yes when you use the Start Shopify link: I get commissions for purchases made through links in this post. Compensated as a Shopify affiliate. The $96.80 on $100 figure is Shopify Basic Payments planning math (2.9% + $0.30) before COGS, shipping, ads, taxes, or the monthly plan. Use Shopify KEEP and the break-even tool to allocate plan cost.