FxLeakage
Hub · United States·Default payout USD

Freelancer payout calculator for United States

The average United States freelancer leaks around $1,800 per year to FX markup, hidden fees and clumsy payout rails. Pick your weapon below.

Top platforms locally
  • stripe
  • wise
  • mercury
  • payoneer
Tax / banking note

1099-NEC self-employment income. Track gross receipts before platform fees; deduct fees on Schedule C.

Showing latest calculation.
The leak story
vs PayPal

$68.69 — gone, just like that.

That's enough to pay for…
  • 6 months of Spotify
  • 9 pints of craft beer
  • 6 months of GitHub Copilot
Over a year at this pace

You'll leak $824.28 — that's a PlayStation 5 + 3 games.

Every. Single. Year.

Plug the leak — route via Wise Business.
Know a freelancer leaking the same? Send this their way.
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PayPal
4.4% + $0.30 · 2.5% FX markup
Leaky
Fee$48.15
FX leak$25.97
Skimmed$74.12
You keep
$1,013
Stripe International
4.3% + $0.30 · 2.0% FX markup
Fee$47.07
FX leak$20.80
Skimmed$67.86
You keep
$1,019
Payoneer
3% flat · 1.5% FX markup
Fee$32.61
FX leak$15.82
Skimmed$48.42
You keep
$1,039
Winner!
Wise Business
0.5% transparent · 0% FX markup
Fee$5.43
FX leak$0.00
Skimmed$5.43
You keep
Take-home
$1,082
Open free Wise Business account →
Airwallex
1% intl · 0.6% FX markup
Fee$10.87
FX leak$6.46
Skimmed$17.33
You keep
$1,070
Revolut Business
0.4% · interbank FX (0.4% beyond plan)
Fee$4.35
FX leak$4.33
Skimmed$8.68
You keep
$1,078
WorldFirst
0% fee · 0.5% FX markup
Fee$0.00
FX leak$5.43
Skimmed$5.43
You keep
$1,082
Mercury
Free wires · ~1% FX spread
Fee$0.00
FX leak$10.87
Skimmed$10.87
You keep
$1,076
Bank Wire (SWIFT)
$25 flat · 3% FX spread
Fee$27.17
FX leak$31.79
Skimmed$58.97
You keep
$1,028
Deel
3% withdraw · 1.5% FX markup
Fee$32.61
FX leak$15.82
Skimmed$48.42
You keep
$1,039
Smart Tip

Stop the leak! Based on your parameters, Wise Business saves you $824.28/year compared to PayPal.

Switch the rail and reclaim that margin every cycle.

Per invoice
$68.69
Extrapolated yearly
$824.28
How we calculated it

Difference between PayPal and Wise Business on the same invoice, split into the two leak sources:

  • Platform fee delta$42.72
  • FX markup leakage delta$25.97
  • Per-invoice savings$68.69
  • × 12 months$824.28

Winner breakdown

0.00% better than WorldFirst
Calculation breakdown · Wise Business
Gross billed
€1,000
Platform fee %
0.50%
Total platform fee
€5.00
Conversion rate
1.0870
FX markup
0.00%
Effective rate
1.0870
Receiving amount
€995.00
Hidden FX loss
$0.00
Total loss
$5.43
Final payout$1,082

Why payouts to USD leak more than freelancers think

Every cross-border payout hides two costs: the platform fee (visible) and the FX markup (invisible — baked into the rate). The combined damage on a single EUR invoice can be 3–8%. Over a year of regular invoices, that compounds into the kind of money that quietly funds someone else's growth — not yours.

This hub uses the same engine as our global calculator, but defaults to USD payouts and ranks providers most used by United States freelancers first.

How to use the United States hub

  1. Enter the invoice amount you're billing your client.
  2. Pick the client's currency (default EUR).
  3. The calculator ranks all 10 platforms by what actually lands in your bank.
  4. Hit Track this leak to save the loss to your private dashboard.
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