Cash App Fee Calculator

Guide

About the Cash App Fee calculator

Our Cash App fee calculator is a free, instant tool that shows exactly how much Cash App deducts from a payment and how much you actually keep. Cash App is hugely popular for sending money between friends, but more and more small businesses, sellers, and creators use it to get paid — and once a payment is commercial, Cash App takes a cut. Enter an amount, choose how you're getting paid, and see your net payout and the effective fee instantly.

When Cash App charges a fee

The key thing to understand is that personal payments between individuals are free, but commercial activity is not. A Cash App for Business account is charged 2.75% on every payment it receives — a flat percentage with no fixed per-transaction fee, which makes Cash App simple to reason about compared with processors that add a fixed cents charge. Sending money funded by a linked bank account, a Cash App balance, or a debit card is free for personal use, while paying with a credit card adds a 3% fee. Choosing the right payment type above makes the result match exactly what Cash App will deduct.

How the fee is calculated

Because the business rate is a flat 2.75% with no fixed fee, the math is straightforward: fee = amount × 2.75%, and your net is the amount minus that fee. On a $100 business payment that's $2.75, so you keep $97.25; on $1,000 it's $27.50. The absence of a fixed fee means small payments aren't penalized the way they are on platforms that add a flat cents charge — so Cash App can be attractive for low-value sales. If you need to receive an exact amount after fees, switch to reverse mode and the calculator grosses the charge up using charge = target ÷ (1 − rate).

Instant deposit vs standard deposit

Getting your money out has its own cost. A standard deposit from Cash App to your linked bank is free but takes one to three business days. An instant deposit to an eligible debit card or bank account costs between 0.5% and 1.75% (with a $0.25 minimum), depending on the destination. If you select "Instant deposit" above, the calculator estimates that cost using the upper 1.75% figure so you see a conservative number. Many sellers use the free standard deposit and only pay for instant when they need funds immediately.

Who this tool is for

Freelancers and gig workers who accept Cash App use it to price work so they keep enough after the 2.75% business fee. Social and marketplace sellers use it to check margins before listing. Creators taking tips and small vendors at events use it to estimate true take-home and to decide whether an instant cash-out is worth the fee. Everything runs in your browser with no signup and no data leaving your device, so it's fast, private, and works on a phone wherever you sell.

Accuracy and important notes

Cash App is a US-only service from Block (the company behind Square), and its fees can change, so we keep every rate in a dated source file and stamp the page with a "fees last verified" date. Treat the results as estimates of standard published rates: business eligibility, promotions, and edge cases can vary, and additional costs such as refunds or disputes can apply. Using a personal account for ongoing business is against Cash App's terms — a Cash App for Business account is the compliant route and the one this calculator assumes for the 2.75% rate. Always confirm the final number in your Cash App account before relying on it, but for quick, dependable estimates of what you'll actually keep, this calculator gives you a clear answer in seconds.