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Pricing Calculator

Free Pricing Calculator

Model the Merchant of Record fee, payout route, and cross-currency spread side-by-side before you send the invoice. See the net amount, price with confidence, and quote your client the right number.

Merchant of Record feePayout route compareFX-aware
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$

Breakdown

Invoice Amount
$1,000.00
Gruv Fee
-$40.00
You Receive
$960.00

• Cross-currency transactions may include +1% FX fee

• Crypto payouts include +1% processing fee

• All fees are transparent with no hidden charges

Process

How it works

  1. 01

    Enter invoice amount

    Start with the gross you plan to invoice.

  2. 02

    Pick a payout route

    Local bank, Wise, PayPal, or crypto. FX assumptions apply automatically.

  3. 03

    See net take-home

    Fees, FX, and platform costs itemized against the gross.

  4. 04

    Export assumptions

    Share the forecast with your team or paste it into a client proposal.

Audience

Who uses this

Freelancers

Set a minimum hourly rate that clears Stripe fees, FX spreads, and quarterly tax set-asides.

Agencies

Price a five-person offshore engagement and know exactly what lands in each contractor account.

Finance ops leads

Forecast payouts across USD-to-INR, EUR-to-PHP, and GBP-to-NGN corridors before committing budget.

Keep going

Related tools

Freelance Rate Calculator

Work backwards from a take-home goal to a billable hourly rate.

Payment Fee Comparison

Stack Stripe, Wise, and PayPal fee assumptions side-by-side.

Free Invoice Generator

Build a client-ready invoice once your price is locked.

Frequently Asked Questions

What does the 4% Merchant of Record fee cover?+
The 4% fee covers the full Merchant of Record workflow: invoice and payment artifacts, hosted checkout, compliance handling with audit trail, and payout operations. On supported programs, it also covers VAT/GST collection.
Who pays the fee?+
The fee is deducted from your invoice amount before payout. Your client pays the invoice total, and you receive the net amount after fees shown in the calculator.
Are there any monthly fees?+
There is no monthly platform fee for this self-serve flow. If you need business modules, custom corridors, or a broader rollout, we can scope pricing around that program.
When do I get paid?+
Most payouts land within 2-5 business days after your client pays. Timing depends on the payout method, country, and any required verification or compliance checks for that corridor.
Are there additional FX or crypto fees?+
Cross-currency payouts include an FX spread. The calculator assumes 1% so you plan ahead. For crypto payouts, the calculator also assumes a 1% processing fee. Actual corridor, network, and provider costs vary by route.
How close is this to my actual payout?+
Close enough to set invoice pricing with confidence. Your actual payout is calculated from the method, currency, and corridor you choose here.
What if a client disputes or requests a refund?+
Gruv keeps every invoice, payment receipt, and checkout artifact organized in one record. You respond faster to disputes, and Gruv support guides the next step for that transaction.

Ready to price cross-border with confidence?

Gruv turns pricing work into ready-to-send invoices, clearer payment follow-up, and records finance can close without a spreadsheet hunt.

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