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What do you take home on a coaching payment?
Your Stripe revenue is not your take-home. Enter a payment amount, pick your processor, and set a tax estimate — this shows the published processing fee, the tax to reserve, and what actually lands in your account.
Stripe's standard US online card rate: 2.9% + $0.30 per successful charge.
Processing fees use each provider's published per-transaction rate (Stripe 2.9% + $0.30, PayPal 3.49% + $0.49 goods & services). The tax line is a reserve at the rate you enter — an estimate to set money aside, not tax advice. Your accountant has the final word.
How the numbers work
There are three layers between a client's payment and your bank balance. First, the payment processor takes a published per-transaction cut — Stripe charges 2.9% + $0.30 on US cards, PayPal 3.49% + $0.49 on goods & services. That comes off the top of every payment, automatically.
Second, a slice of what's left is really the tax authority's, not yours. Self-employed coaches owe self-employment and income tax on profit, so setting aside a percentage of each payment is the difference between a calm quarter and a painful one. The 28% default is a US placeholder you should tune to your situation.
What remains is your pre-expense take-home on that payment. Your real net is lower still once monthly tool subscriptions and business expenses come out — which is the job CheckMargin does across your whole month, automatically, from your connected Stripe and PayPal accounts.
Go deeper: Stripe fees for coaches · PayPal vs Stripe · quarterly taxes · all guides.