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Cash App Fee Calculator

See what a Cash App transfer costs, or how much to send so the exact amount you promised lands.

Inputs
Fee breakdownCalculated
Fee8.75. You keep 491.25.
Formula
Feeamount x rate (plus any flat fee)
You receiveamount - fee
Inputs
  Fee type                   Instant deposit to a debit card
  Percentage fee             1.75%
  Minimum fee                0.25
  Amount sent or deposited   500.00
Working
Fee500.00 x 1.75% = 8.75
You receive500.00 - 8.75 = 491.25
Results
  Amount charged or deposited   500.00
  Fee                           8.75
  Amount received               491.25
  Effective fee rate            1.750%

Note

Fee percentages published by Cash App change from time to time. Check the app before relying on a number for anything important.

Runs locally in your browser

About the Cash App Fee Calculator

Cash App charges nothing for a standard bank transfer that takes one to three business days, and charges a percentage when you want the money now or when a card is involved. An instant deposit to a linked debit card costs 1.75 percent with a small minimum, sending money funded by a credit card costs 3 percent, and a business account pays 2.75 percent on payments it receives. Personal payments funded from a balance or a bank account are free.

Two directions are supported. The first takes the amount leaving your account and shows what actually arrives, so a 500 instant deposit costs 8.75 and delivers 491.25. The second works backwards from the amount that must land: to get exactly 500 to someone when a 3 percent card fee applies you have to send 515.46, which is the target divided by 0.97 rather than the target plus 3 percent. That distinction trips people up regularly and costs a few dollars each time.

Percentages published by payment apps move, and regional rules differ, so check the current schedule in the app before a large transfer. The tool also prints an effective fee rate, which is worth reading when a flat charge such as an ATM withdrawal applies, because 2.50 on a 40 withdrawal is a very different proposition from 2.50 on 400. For splitting a bill after fees, the Percentage Calculator handles the shares.

How to use

  1. Choose the fee type that matches what you are doing.
  2. Decide whether the fee comes out of your amount or whether you want a target amount to arrive intact.
  3. Enter the amount in dollars.
  4. Read the fee, the amount received and the effective rate, which matters most on flat fees.

Common questions

How much does an instant deposit cost?
Cash App charges a percentage of the transfer, currently 1.75 percent with a small minimum, while the standard one to three day deposit is free.
Why is the grossed up amount more than adding the percentage?
The fee is charged on the larger sent amount, not on the target. Dividing by one minus the rate gives the right figure, so a 3 percent fee needs 515.46 sent for 500 to arrive.
Do I pay a fee for sending money to a friend?
Not when the money comes from your Cash App balance or a linked bank account. Funding the payment with a credit card adds a 3 percent charge.
Are these rates guaranteed?
No. They reflect the published schedule at the time of writing and can change, so confirm the current figure in the app before you rely on it.