Calculators

Your real card mix, your real rate, and the annual difference — including where we are not cheaper.

Cross-border surcharges and currency conversion, stacked — and what removing them is worth.

Starting from a $49 average transaction and the card mix typical for SaaS businesses.

See what card processing costs you each month, and what a lower rate would be worth.

Starting from a $65 average transaction and the card mix typical for online stores.

Starting from a $75 average transaction and the card mix typical for nonprofits.

Turn one monthly statement into the only rate that is comparable across processors — then see what the same month costs at published pricing.

Enter your price and your revenue goal. Get the number of customers — and the pace to reach it.

Drag the price and watch the customer count collapse. Same revenue, very different companies.

The MRR you need to cover a real salary and your running costs — not just to break even.

Four numbers in. Revenue, costs, profit, margin and break-even out.

How many months of cash you have — and the month you run out.

Two of the most widely used payment providers, with rates that are not close.

Three LTV figures, not one — because the number most calculators give you is the one you should not use.

Blended and paid CAC side by side — the gap between them is the number that matters.

Identical published online rates, which makes this one of the few comparisons where price genuinely is not the answer.

A genuinely close comparison with a clean crossover point at a $61.29 average transaction.

A verdict, not just a number — including whether you should be spending more.

Customer churn and revenue churn side by side — because the gap between them tells you who is leaving.

The metric investors ask about first — and what it compounds to over three years.

Not really a rate comparison — one is a processor and the other is a merchant of record.

A 2.9% + 30¢ rate is not 2.9%. See what it actually costs at your average transaction size.

Starting from a $29 average transaction and the card mix typical for digital product sellers.

Enter the amount you want to land in your account. Get the amount to invoice.

Not the fee — the profit. See how many clean sales it takes to earn one chargeback back.

Starting from a $199 average transaction and the card mix typical for course creators.

Nobody cancelled. The card just stopped working. Size the leak and what fixing it is worth.

Starting from a $25 average transaction and the card mix typical for membership sites.

Starting from a $45 average transaction and the card mix typical for subscription boxes.

Starting from a $2,500 average transaction and the card mix typical for freelancers.

Starting from a $5,000 average transaction and the card mix typical for agencies.

Starting from a $3,500 average transaction and the card mix typical for law firms.

Starting from a $450 average transaction and the card mix typical for dental practices.

Start from the revenue you want and the customers you can realistically reach. Get the price.

See the revenue gain — and how many customers you could afford to lose.

Starting from a $1,800 average transaction and the card mix typical for B2B service businesses.

Starting from a $89 average transaction and the card mix typical for gyms and studios.

10%, 15% or 20%? See the revenue you give up and the extra customers it has to bring in.

It is 16.67%, not 20%. Convert any months-free offer into its real percentage.

Starting from a $65 average transaction and the card mix typical for ticketing and events.

How much more do you have to sell for a discount to be worth running?

Turn your AI cost per user into the price you have to charge to hold your margin.

Set your volume and average ticket to see the yearly difference between Stripe and Paydude.

Set your volume and average ticket to see the yearly difference between Square and Paydude.

Set your volume and average ticket to see the yearly difference between PayPal and Paydude.

Drag your customer mix and see which tier actually pays the bills.

Set your volume and average ticket to see the yearly difference between Braintree and Paydude.

Trials, conversion rate and price in. New MRR out — plus what one point of conversion is worth.

Set your volume and average ticket to see the yearly difference between Adyen and Paydude.

Free users, conversion rate and price in. See the MRR, and what each point is worth.

Set your volume and average ticket to see the yearly difference between Helcim and Paydude.

Set your volume and average ticket to see the yearly difference between Stax and Paydude.

Set your volume and average ticket to see the yearly difference between Lemon Squeezy and Paydude.

Set your volume and average ticket to see the yearly difference between Paddle and Paydude.

Set your volume and average ticket to see the yearly difference between Chase Payment Solutions and Paydude.

Set your volume and average ticket to see the yearly difference between Clover and Paydude.

Set your volume and average ticket to see the yearly difference between Toast and Paydude.

Enter your salary and your price. See the customer count that replaces your income.

Set your volume and average ticket to see the yearly difference between Authorize.net and Paydude.

Break any revenue target down to the month, week, day and hour.

Itemise your cost of goods sold and see exactly what each line costs you in margin.

Set your volume and average ticket to see the yearly difference between 2Checkout and Paydude.

An ARR multiple range driven by growth, retention and margin — presented as a range, because that is what it is.

Two point-of-sale platforms with opposite rate structures, crossing at an unusually low $33.33.

How many months before a customer has paid back what you spent to win them.

The restaurant comparison, with rate structures that cross at a $25 average check.

Two merchant-of-record providers with identical published rates, so the comparison is entirely about coverage.

Growth plus profit against the 40 line — and what the other half would need to be.

A flat rate against interchange-plus — less a price comparison than a choice between predictability and transparency.

MRR gained divided by MRR lost — growth efficiency, not growth.

What a few percent a month actually compounds to, and when you hit each milestone.

Square is cheaper on both the percentage and the fixed fee, so the rate cards never cross.

Identical published online rates — the real question is whether you sell on Shopify.

Convert between annual and monthly recurring revenue, in both directions.

How much annual recurring revenue each dollar of sales and marketing buys.

Work out exactly what Stripe costs you at your volume and average transaction size.

Work out exactly what PayPal costs you at your volume and average transaction size.

LTV from your actual retention curve, rather than from a churn rate that pretends to be constant.

Work out exactly what Square costs you at your volume and average transaction size.

Work out exactly what Shopify Payments costs you at your volume and average transaction size.

Work out exactly what Braintree costs you at your volume and average transaction size.

Work out exactly what Authorize.net costs you at your volume and average transaction size.

Work out exactly what Adyen costs you at your volume and average transaction size.

Work out exactly what Helcim costs you at your volume and average transaction size.

Work out exactly what Stax costs you at your volume and average transaction size.

Work out exactly what Lemon Squeezy costs you at your volume and average transaction size.

Work out exactly what Paddle costs you at your volume and average transaction size.

Work out exactly what Chase Payment Solutions costs you at your volume and average transaction size.

Work out exactly what Clover costs you at your volume and average transaction size.

Work out exactly what Toast costs you at your volume and average transaction size.

Work out exactly what 2Checkout costs you at your volume and average transaction size.

Work out exactly what Venmo for Business costs you at your volume and average transaction size.

Work out exactly what Cash App for Business costs you at your volume and average transaction size.

Work out exactly what Wise Business card payments cost you at your volume and average transaction size.

Advertised rates that start with 0.2% describe a margin, not your bill. Enter three figures from your statement to find your real effective rate.

Elavon quotes rates per merchant rather than publishing them. Enter three figures from your statement to find your real effective rate.

Worldpay prices by quote, so there is no rate to look up. Enter three figures from your statement to find what you actually pay.

Set your volume and average ticket to see the yearly difference between Shopify Payments and Paydude.