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.
Breakdown
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.
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.
How it works
- 01
Enter invoice amount
Start with the gross you plan to invoice.
- 02
Choose a scenario
Use the base assumption or add the optional crypto adjustment.
- 03
See the amount after fees
Compare the invoice amount with the fee and the amount left in this scenario.
- 04
Use the invoice amount
Carry the amount into the free invoice generator when you are ready.
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.
Related guides
How to Calculate the All-In Cost of an International Payment
The tool applies one percentage. This works out the full landed cost of a cross-border payment, including the deductions a flat rate leaves out.
Read the guideThe Freelance Payment Penalty: A Modeled Audit of Platform Fees, FX Spreads, and Payout Delays
Fees rarely arrive as a single line. A modelled audit of how commission, FX spread and payout delay stack on the same invoice.
Read the guideWhy International Wire Transfers Arrive Short and How to Reduce Fee Leakage
Read this when the amount that lands is below the net you modelled, and you want to know which bank in the chain took the difference.
Read the guideFrequently Asked Questions
What does the calculator show?+
Does changing currency calculate FX?+
Is this current Gruv pricing?+
Can I use the amount in an invoice?+
Need current pricing for Gruv?
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