September 22, 2026
Aspire's Stripe fee calculator is a free tool offered by a business banking platform — useful, but built as one entry point into a broader fintech account rather than a standalone calculator.
Aspire's calculator handles Stripe fees specifically, tied to a banking platform aimed at larger operations managing multiple accounts and currencies — more infrastructure than a freelancer or small shop typically needs.
SMBkits' payment fee calculator covers both Stripe and PayPal in one place, working backward from the amount you want to net to tell you exactly what to charge, with no banking account or fintech platform attached.
The 'working backward' direction is the one most people actually need and few calculators handle well: rather than telling you the fee on a price you've already set, it starts from the amount you need to land in your account after fees and tells you what to charge the client to get there — which is the question that actually matters when quoting a job.
If you're already banking through Aspire for multi-currency or larger-scale operations, its calculator fits naturally into that workflow. If you just need to know what to charge to net a specific amount after processor fees, SMBkits' calculator does that without opening a banking relationship.
| Feature | SMBkits | Aspire |
|---|---|---|
| Stripe fee calculation | Included | Included |
| PayPal fee calculation | Included | Not included |
| Work backward from net amount | Included | Included |
| Banking account required | No | No, for the calculator |
Yes — enter which processor you're using along with the amount, and it calculates the fee and the price you'd need to charge to net your target amount.
Rates are generally stable but can vary by country, card type, and account type. Double-check your specific rate on your processor's pricing page if your account has custom or negotiated pricing.