Our Mission
Payment processing fees, marketplace commissions, self-employment taxes, and monetary inflation quietly degrade business margins. FeeCheckTools was built to provide independent operators, online storefronts, and consultants with instant, clear mathematical models of their true take-home pay and reverse-invoicing requirements.
Zero Server-Side Tracking: 100% Client-Side Privacy
Your financial data is sensitive. Unlike conventional financial SaaS platforms that require logins or log user inputs to remote databases, all FeeCheckTools calculators run strictly inside your web browser using vanilla client-side JavaScript.
- No accounts or sign-ups: You never need to enter an email address or password to run calculations.
- No database storage: Your revenues, hourly rates, client invoice figures, and tax brackets are never transmitted, recorded, or shared with external servers.
- Instant execution: Every formula recomputes dynamically on input without network round-trips.
Mathematical Methodology & Sources
Our calculators are modeled on verified fee schedules and statutory tax frameworks. We reference public primary sources:
- Stripe Processing Rates: Domestic blended rate of 2.9% + $0.30, European interchange-capped rates (1.5% + €0.25), and cross-border currency conversion surcharges. Source: Stripe Official Pricing.
- PayPal Processing Fees: Commercial rates of 3.49% + $0.49 and international transaction adjustments. Source: PayPal Merchant Fees.
- Etsy Seller Fees: Fixed $0.20 listing fee, 6.5% transaction cut on item plus shipping, and 12% to 15% Offsite Ads program. Source: Etsy Fees & Payments Policy.
- IRS Self-Employment Tax (SECA): The mandatory 15.3% payroll tax (12.4% Social Security up to wage caps + 2.9% Medicare) paid by 1099 contractors. Source: IRS Self-Employment Tax Guidelines.
- Historical Inflation Indices: Compounded Consumer Price Index for All Urban Consumers (CPI-U). Source: U.S. Bureau of Labor Statistics.
Disclaimer: Estimates, Not Tax Advice
All calculations generated by FeeCheckTools are mathematical estimates intended strictly for operational planning, scenario testing, and budgeting. Tax laws, payment gateway contract tiers, and municipal surcharges vary by jurisdiction. For formal statutory filings, tax elections (such as S-Corp status), or merchant contract negotiations, always consult a licensed Certified Public Accountant (CPA) or tax attorney.
Editorial Team & Contact
Our content and calculation matrices are maintained by the FeeCheckTools Editorial Team. We review gateway fee updates and tax thresholds periodically.
Have feedback, noticed a change in a provider's fee schedule, or have questions about our calculations? Contact our team at: [YOUR EMAIL].