Why reverse the fee?
Adding the fee percentage directly is usually not enough.
If a 3.4% fee is taken from the final amount charged, adding 3.4% to your target still leaves you short. Gross-up solves the equation from the net amount backwards.
Reverse fee calculator
Invoice Gross-Up Calculator
Enter the amount you want to keep and the fee structure. Earnquo calculates the minimum amount to charge so your net does not fall short.
Use the actual fee charged by your platform or payment provider. Taxes and VAT are not included.
Enter a target above zero, a percentage from 0% to below 100%, and a non-negative fixed fee.
Formula
Built around the final charged amount.
Gross amount = (target net + fixed fee) ÷ (1 − percentage fee). Earnquo then checks cent-by-cent rounding so the result is the minimum amount that still reaches your target.
Calculator guide
Invoice gross-up calculation guide
Gross-up is useful when a payment processor deducts fees but you still need to receive a specific net amount. Instead of guessing how much extra to add, enter the percentage fee and fixed fee and let the calculator solve for the smallest gross charge that meets your target.
Formula
The starting equation is gross = (desired net + fixed fee) ÷ (1 − percentage rate). Earnquo then checks the result at currency precision and rounds upward only when necessary, so the calculated net does not fall one cent below your target.
Example
If you want to keep €1,000 and the fee is 3.4% plus €0.35, the calculated charge is €1,035.56. After the estimated €35.56 fee, the remaining amount is exactly €1,000.00.
Frequently asked questions
Can I use this for any payment provider?
Yes, when the provider fee can be represented as a percentage plus a fixed amount. Enter the fee terms yourself. More complex tiered, capped or currency-dependent pricing may require a provider-specific calculator.
Is gross-up the same as adding the fee percentage?
Not exactly. Simply adding the percentage to the desired net can leave you short because the processor also charges its percentage on the extra amount. Gross-up solves the equation in reverse instead.