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Fee Planning Calculator

Free Pricing Calculator

Enter an invoice amount and explore a simple fee scenario before you decide what to charge. The result is a planning estimate, not a Gruv quote.

4% base assumptionOptional crypto adjustmentFee and net breakdown
$

Breakdown

Invoice Amount
$1,000.00
Fee in this scenario
-$40.00
Amount after fee
$960.00
Uses a 4% fee scenario and adds 1% for crypto. FX, tax, provider, and network costs are not included. Request a Gruv quote for current pricing and available methods.
Method

Read the fee line before it becomes a price

The arithmetic here is one multiplication. Enter $1,000 and the base scenario takes 4% of it, leaves $960, and rounds the result down to the cent; the crypto scenario adds a further 1% and leaves $950. Everything else on the screen is display. Moving the currency selector from USD to EUR changes the symbol and the number format and stops there, so the same 4% is applied to the same figure with no conversion inside it. The scenario is flat, with no fixed per-transaction component anywhere in it, which is why a $12 invoice and a $12,000 invoice are treated identically at 48 cents and $480.

Most quotes are built the other way round. You know what you need to keep and the invoice amount is the unknown, so subtracting a percentage answers the first question while inverting the second. Under the base scenario, keeping $1,000 means invoicing $1,041.67, because dividing $1,000 by 0.96 recovers the fee where multiplying by 0.96 spends it. Across twenty invoices a year that gap is $833. The calculator does the multiplication and stops, which leaves the division as a second step, and it is the step that decides whether the year clears your target or lands $833 short.

The number becomes a problem once it leaves the browser. A planning scenario pasted into a proposal is a price you have quoted, and the invoice generator this page hands off to will carry the amount without asking where the 4% came from. If confirmed pricing then comes back different, the correction arrives after a client has approved a rate, which is a commercial conversation rather than an edit. The safer order is to treat the output as a floor test, ask for pricing against the markets and payment methods you actually plan to use, and quote once.

Assumptions and sources

What this estimate rests on

The page runs one multiplication on the amount you enter. Everything that separates a real quote from that multiplication is listed here.

What it assumes

  • A flat 4% fee scenario applied to the gross invoice amount, with a further 1% available for the crypto scenario.
  • The percentage is proportional at every size, so a $12 invoice and a $12,000 invoice are treated the same way.
  • The currency selector changes the symbol and the number format. The same figure and the same percentage are used either way.
  • Amounts are rounded to the cent for display.

What it leaves out

  • Any fixed per-transaction component, which is where small invoices usually lose the most.
  • Currency conversion and FX spread. Switching the display currency performs no conversion.
  • Pricing that varies by market, payment method, volume or customer type.
  • The reverse calculation, meaning the gross you would have to invoice to keep a given amount.

Where the numbers come from

The 4% base scenario
Our own assumptionA round planning figure chosen for this page so the arithmetic stays legible. It stands in for a fee rather than quoting one, and Gruv pricing is quoted per case.
The 1% crypto adjustment
Our own assumptionA second round figure layered on the base scenario to show what one extra point does to the amount left.
Currency display list
Our own assumptionA fixed list of display formats held in the page. No rate feed sits behind it.

Assumptions and sources checked 5 September 2026. Published figures move on their own schedule, so confirm anything you rely on against the authority that issues it.

Process

How it works

  1. 01

    Enter invoice amount

    Start with the gross you plan to invoice.

  2. 02

    Choose a scenario

    Use the base assumption or add the optional crypto adjustment.

  3. 03

    See the amount after fees

    Compare the invoice amount with the fee and the amount left in this scenario.

  4. 04

    Use the invoice amount

    Carry the amount into the free invoice generator when you are ready.

Audience

Who uses this

Freelancers

Explore how a fee assumption could affect the net amount on an invoice.

Agencies

Run a quick what-if before discussing pricing with a client or contractor.

Finance ops leads

Use a simple scenario as a starting point before requesting current pricing.

Frequently Asked Questions

What does the calculator show?+
It subtracts a 4% fee scenario from the invoice amount and shows the amount left after the fee. The optional crypto scenario adds 1%.
Does changing currency calculate FX?+
No. Changing the display currency changes the symbol and number format only. The calculator does not convert currencies or add an FX cost.
Is this current Gruv pricing?+
No. It is a simple planning scenario. Request a Gruv quote for current pricing and available payment methods.
Can I use the amount in an invoice?+
Yes. The button carries the invoice amount into the free invoice generator. Review your own pricing and any confirmed service costs before sending it.

Need current pricing for Gruv?

Share the service, markets, payment flow, and connection method you have in mind. The Gruv team can talk through the options and price.

Many teams start with a narrow launch in weeks.