Does GST reduce my freelance payout?

GST at 18% on a taxable domestic invoice is collected from the client and remitted, so it is not income and should not reduce the agreed fee. Separately, a platform or payment provider may add Indian GST to its own service fee. Turn on that setting only when it appears on the provider invoice.

Why can I edit every fee percentage?

Upwork fees can be contract-specific, and PayPal, Wise and Payoneer charges depend on currency, country, payment route and account terms. The presets are starting assumptions, while the percentage shown in your offer or withdrawal screen is the number that should drive your quote.

Does the result include income tax or TDS?

No. This calculator isolates platform, payment and FX costs. Income tax depends on your annual taxable income and tax treatment, while TDS is normally a credit against your final tax liability rather than a permanent fee.

How do I gross up a quote so I still receive my target amount?

Divide the amount you need to receive by one minus the combined fee rate. For example, to keep ₹100,000 after a 20% fee, quote ₹125,000 before GST because ₹125,000 × 80% equals ₹100,000.

Freelance platform fee and net payout calculator

See what reaches your bank after Upwork, Fiverr, PayPal, Wise or Payoneer takes its cut. Add GST where it actually applies, and replace variable assumptions with the fee shown in your account.

Last reviewed 24 September 2026Provider fee assumptions checked by the editorial deskChangelog

Invoice and fee assumptions

Choose a provider, then replace any variable fee with the percentage shown in your own account.

Provider

Invoice value before GST₹Platform fee%Payment / FX fee%

Combined before tax10.00%

Add 18% GST to invoiceUse for a taxable domestic invoice. Export services may be zero-rated when conditions are met.Provider adds 18% GST to feesTurn on only when the provider invoice shows Indian GST on its service charges.

Upwork assumption: The freelancer service fee is contract-specific. Use the rate shown in your offer; 10% is only a starting assumption. Fee page

What each deduction means

Platform fee

A marketplace commission deducted from the order value. Fiverr's standard seller deduction is distinct from the fee your buyer pays.

Payment and FX fee

Receiving, withdrawal and currency conversion can be priced separately or hidden inside the exchange rate. Use the all-in percentage you can observe.

GST on provider fees

A provider may charge 18% Indian GST on its own service fee. That is different from GST you collect on your client invoice and may be eligible for input tax credit.

Fee assumptions and official pages

Provider charges change by contract, currency and payment route. These presets are editable comparison inputs, not quotes.

Upwork
Marketplace
The freelancer service fee is contract-specific. Use the rate shown in your offer; 10% is only a starting assumption.
Official fee page
Fiverr
Marketplace
Fiverr ordinarily credits a seller with 80% of the completed order value. Withdrawal and currency-conversion costs can be additional.
Official fee page
PayPal
Payment rail
This editable estimate combines the published 4.4% international commercial-payment fee with an indicative 3% currency-conversion spread. A currency-specific fixed fee may also apply.
Official fee page
Wise
Payment rail
Wise fees vary by source currency, amount and transfer route. The calculator uses an editable indicative all-in percentage, not a quote.
Official fee page
Payoneer
Payment rail
The editable 1% starting point represents an indicative non-local-currency withdrawal. Receiving, marketplace and conversion charges vary by route and account.
Official fee page

Platform fee calculator: frequently asked questions

How marketplace charges, payment costs and GST interact with the amount you keep.

Does GST reduce my freelance payout?: GST at 18% on a taxable domestic invoice is collected from the client and remitted, so it is not income and should not reduce the agreed fee. Separately, a platform or payment provider may add Indian GST to its own service fee. Turn on that setting only when it appears on the provider invoice.
Why can I edit every fee percentage?: Upwork fees can be contract-specific, and PayPal, Wise and Payoneer charges depend on currency, country, payment route and account terms. The presets are starting assumptions, while the percentage shown in your offer or withdrawal screen is the number that should drive your quote.
Does the result include income tax or TDS?: No. This calculator isolates platform, payment and FX costs. Income tax depends on your annual taxable income and tax treatment, while TDS is normally a credit against your final tax liability rather than a permanent fee.
How do I gross up a quote so I still receive my target amount?: Divide the amount you need to receive by one minus the combined fee rate. For example, to keep ₹100,000 after a 20% fee, quote ₹125,000 before GST because ₹125,000 × 80% equals ₹100,000.

Turn your net target into a rate

Once you know the percentage lost to payment and platform fees, use it in the full rate calculator alongside tax, expenses and billable hours.

Open the freelance rate calculator