Freelancer payout calculator for Germany / EU
The average Germany / EU freelancer leaks around €1,500 per year to FX markup, hidden fees and clumsy payout rails. Pick your weapon below.
- wise
- stripe
- revolut
- paypal
Kleinunternehmer / Einzelunternehmer: VAT on EU clients only. Fees deductible under Betriebsausgaben.
Your bank just got €58.14 richer.
- 6 months of GitHub Copilot
- 9 pints of craft beer
- 5 months of Spotify
You'll leak €697.68 — that's a PlayStation 5 + 3 games.
Every. Single. Year.
Stop the leak! Based on your parameters, Wise Business saves you €697.68/year compared to PayPal.
Switch the rail and reclaim that margin every cycle.
How we calculated it
Difference between PayPal and Wise Business on the same invoice, split into the two leak sources:
- Platform fee delta€36.16
- FX markup leakage delta€21.98
- Per-invoice savings€58.14
- × 12 months€697.68
Winner breakdown
0.00% better than WorldFirst- Gross billed
- $1,000
- Platform fee %
- 0.50%
- Total platform fee
- $5.00
- Conversion rate
- 0.9200
- FX markup
- 0.00%
- Effective rate
- 0.9200
- Receiving amount
- $995.00
- Hidden FX loss
- €0.00
- Total loss
- €4.60
Why payouts to EUR 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 USD 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 EUR payouts and ranks providers most used by Germany / EU freelancers first.
How to use the Germany / EU hub
- Enter the invoice amount you're billing your client.
- Pick the client's currency (default USD).
- The calculator ranks all 10 platforms by what actually lands in your bank.
- Hit Track this leak to save the loss to your private dashboard.
See exactly what you'd lose on your own invoice.
Plug in your amount, switch corridors, copy the right reverse-invoice value in seconds.