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šŸ’ø Upwork takes up to 20% of every payment you receive

You're not earning
what you think.

Platform fees silently eat 20ā€“30% of every payment. Find out exactly how much you're actually taking home ā€” and how to keep more of it.

Calculate My Take-Home ā†’

āœ“ Free forever  ā€¢  āœ“ Instant results  ā€¢  āœ“ No signup

$4,800
Avg. lost to fees per year
7 platforms
Supported instantly

šŸ’° Platform Fee Calculator

Your real take-home pay, instantly

Earnings breakdown on $1,000 project
Upwork (20%) + Payoneer (2%) + Conversion (2%)
You billed
$1,000
You keep
$758
šŸšØ $242 lost to fees!
$4,800
Avg. Lost to Fees per Year
20%
Upwork's Starting Fee
7
Platforms Supported
Instant
Real-Time Calculation
The Problem

Platforms don't advertise their true cost

By the time you add up platform fees, gateway fees, and currency conversion ā€” you're keeping far less than you think. Sound familiar?

šŸ¦

Platform fees come first

Fiverr takes 20%. Upwork starts at 20%. Freelancer.com takes 10%. That's before you've touched a single dollar.

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Then the gateway gets its cut

Payoneer, PayPal, Wise ā€” each charges withdrawal fees and currency conversion costs on top of what the platform already took.

šŸ˜¤

Nobody tells you upfront

Fees are buried in FAQs and fine print. Most freelancers never calculate their real take-home ā€” until now.

How It Works

See your real earnings instantly

1

Choose your platform

Select Upwork, Fiverr, Freelancer, and more. Enter your project value.

2

Add your gateway

Choose how you receive money ā€” Payoneer, Wise, PayPal, or bank transfer.

3

See your real take-home

Get a full fee breakdown and learn how to keep more of every dollar you earn.

The Calculator

Calculate your real earnings

Enter your project details to see exactly what you take home after all fees.

šŸ’° Your Project Details

Your Take-Home Pay

$0.00
Original: $0.00

šŸ’ø Full Fee Breakdown

Project Value$0.00
Platform Fee-$0.00
Payment Gateway Fee-$0.00
Currency Conversion Fee-$0.00
Net Take-Home$0.00
šŸ’” Pro Tip:

šŸ’” Platform Fee Guide

šŸ“ˆ
Upwork sliding scale
20% for first $500, then 10% up to $10K, then 5% after. Long-term clients save you the most.
šŸŽÆ
Fiverr flat 20%
Fiverr's fee never drops. Upsells and gig packages are your best tools to increase value without extra fees.
šŸ†
Toptal = 0% for freelancers
The client pays all Toptal fees. If you qualify, it's the most financially efficient platform for senior talent.
šŸŒ
Conversion fees add up
If you're outside the US, currency conversion can cost 1.5ā€“3% extra on every withdrawal. Every month.
Cenoa Tip

Receive USD from any client with zero conversion fees using your Cenoa US bank account.

Open Free Account ā†’
Why Cenoa

Stop losing money on every payment

The platform fee is just the start. Understanding the full picture means keeping thousands more per year.

šŸ’ø

Know your real earnings

Most freelancers quote rates without accounting for the 25ā€“35% lost to fees. This calculator shows you the truth ā€” and what to do about it.

  • Accurate platform fee calculations for 7 platforms
  • Gateway fees included (Payoneer, Wise, PayPal)
  • Currency conversion costs factored in
  • Visual breakdown of where your money goes
  • Pro tips to minimize your fee exposure
  • Free, instant, no login required
Testimonials

Freelancers earning more

ā˜…ā˜…ā˜…ā˜…ā˜…

"I had no idea Fiverr + PayPal was eating 25% of my income. Switched platforms and saved over $3,000 last year."

ZA
Zara A.
Graphic Designer, Karachi
ā˜…ā˜…ā˜…ā˜…ā˜…

"Used this to justify switching to direct contracts with clients. My effective rate went up 22% overnight."

OA
Olu A.
Full-Stack Developer, Lagos
ā˜…ā˜…ā˜…ā˜…ā˜…

"Now I calculate fees before quoting. I charge what I actually want to take home, not what sounds good."

DE
Diana E.
Content Writer, Cairo

Stop giving away your earnings.

Calculate exactly what you keep ā€” and find out how to keep more.

Calculate Now ā†’