Cash App Fee Calculator

By CalculatorBolt Team | Published: | Updated: | Reviewed by: Finance & Policy Editor

Calculate Cash App fees for P2P, business, and Bitcoin transactions. Choose the transaction type, edit fee structures, and see net received and effective rate. Informational only—fees may change.

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Calculate Cash App Fees

Choose the type of Cash App transaction
Edit fee percentage
Edit fixed fee
Enter the transaction amount
Please enter a valid amount ≥ 0

Reverse Fee Solver

Want to receive a specific net amount? Calculate the gross amount you need to send, including all fees.

Enter the amount you want to receive after all fees

Export/Import Configuration

How it Works

Cash App may charge a percentage and/or fixed fee for business and Bitcoin transactions. Standard P2P (person-to-person) payments using a linked bank account or Cash App balance are typically free. We compute the main fee, optional monthly fee, net amount, and effective rate. You can customize all fee structures.

The formula is: Fee = (Amount × Percentage) + Fixed Fee. Your net received is the amount minus the fee. The effective rate shows the fee as a percentage of the transaction amount. For transactions with monthly fees, these are displayed separately as they apply per month, not per transaction.

Inputs Explained

  • Transaction Type:
    • Standard P2P: Free for most person-to-person payments
    • Business Payment: Commercial transactions (~2.75% fee)
    • Bitcoin Transaction: Buying/selling Bitcoin (~1.76% fee)
    • Custom: Define your own fee structure
  • Amount: The transaction amount you're sending or processing.
  • Fee Structure: Edit the percentage and fixed fee for each transaction type.
  • Optional Monthly Fee: Toggle to include subscription or monthly service fees in your calculation.
  • Currency: Select your currency (USD default). Uses current exchange rates.
  • Rounding: Choose precision for calculations (nearest cent or dime).

Example Calculations

Example 1: Standard P2P Payment (Free)

Inputs:

  • Type: Standard P2P
  • Amount: $100.00
  • Fee: 0% + $0.00

Calculation:

  • Fee = ($100.00 × 0%) + $0.00 = $0.00
  • Net = $100.00 - $0.00 = $100.00
  • Effective Rate = 0.00%

Result: Full $100.00 received, no fees

Example 2: Business Payment

Inputs:

  • Type: Business Payment
  • Amount: $100.00
  • Fee: 2.75% + $0.00

Calculation:

  • Fee = ($100.00 × 2.75%) + $0.00 = $2.75
  • Net = $100.00 - $2.75 = $97.25
  • Effective Rate = 2.75%

Result: You receive $97.25 after $2.75 fee

Example 3: Bitcoin Transaction

Inputs:

  • Type: Bitcoin Transaction
  • Amount: $100.00
  • Fee: 1.76% + $0.00

Calculation:

  • Fee = ($100.00 × 1.76%) + $0.00 = $1.76
  • Net = $100.00 - $1.76 = $98.24
  • Effective Rate = 1.76%

Result: You receive $98.24 after $1.76 fee

Tips & Notes

  • Fees and policies can change. Cash App may update their fee structure. Always verify with Cash App's official documentation for the most current rates.
  • For P2P, there is usually no fee. Standard person-to-person payments using a linked bank account or Cash App balance are typically free. However, you can add a fee in Custom mode to model "what-if" scenarios or instant transfer fees.
  • Business payments incur fees. If you're receiving payments as a business, expect around 2.75% per transaction. This may vary based on your account type and volume.
  • Bitcoin fees fluctuate. Bitcoin transaction fees on Cash App are approximately 1.76% but can vary based on market conditions and network congestion.
  • Credit card funding has additional fees. While not calculated here, using a credit card to fund Cash App payments incurs a 3% fee. Consider using a bank account or debit card instead.
  • Instant transfers cost extra. If you need immediate access to funds in your bank account, Cash App charges a fee for instant transfers (typically 1.5% with a minimum fee).

Frequently Asked Questions

Typically no. Standard P2P (person-to-person) payments using a linked bank account or Cash App balance are free. However, instant transfers to your bank account and payments funded by credit cards may incur fees. You can add a fee in Custom mode to model hypothetical scenarios or factor in instant transfer fees.

Cash App business payments typically charge around 2.75% per transaction for receiving payments as a business. Bitcoin transactions usually have a fee of approximately 1.76% when buying or selling. These fees may vary and you can edit the structure in the calculator to match current rates or your specific account terms.

No. This is an informational tool for estimation purposes. Cash App's fees and policies are governed by their official terms. Always refer to Cash App's official documentation for accurate, up-to-date fee information. This calculator is not affiliated with or endorsed by Cash App or Block, Inc.

No. Everything runs in your browser. No data is sent to any server. Your preferences are saved in your browser's local storage. Use Export or Share Link to save your configuration locally.

Yes. Use Custom transaction type to define your own percentages and fixed fees. This is useful for testing different scenarios, modeling instant transfer fees, or if Cash App updates their fee structure and you want to see how it affects your transactions.

P2P (person-to-person) payments between individuals using Cash App are typically free when using a bank account or Cash App balance. Business payments are for commercial transactions where you're receiving money as a business, and these usually incur a percentage fee. The calculator helps you estimate both types.

The calculator uses approximate fee rates for Bitcoin transactions on Cash App (around 1.76%). Actual fees may vary based on market conditions, transaction size, network congestion, and Cash App's current fee schedule. Bitcoin prices and fees can be volatile, so always check Cash App for exact Bitcoin trading fees before making a transaction.

Yes. Use the Reverse Fee Solver section below the main calculator. Enter your target net amount (what you want the recipient to receive after fees), and it will calculate the gross amount you need to send, including all selected fees. This is useful for ensuring someone receives an exact amount after Cash App's fees are deducted.

Disclaimer

Informational estimate only. Cash App's fees and policies are governed by their official terms and may change. This calculator provides estimates for educational purposes only and should not be used as the sole basis for financial decisions. Fees vary by transaction type and can change over time. Verify with Cash App's official documentation. CalculatorBolt is not affiliated with Cash App or Block, Inc. and is not responsible for any errors or omissions.

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