PhonePe Fee Calculator Online – Instantly Know Your Charges in India 💸
What Is PhonePe & Why Are Fees a Thing?
PhonePe is one of India’s leading digital payment platforms. From sending UPI to scanning QR codes, from shopping online to splitting bills with friends—PhonePe has made money movement crazy simple.
But here’s the deal: not all transactions are fee-free. While UPI payments for personal use are typically free, wallet transfers, business payments, and investment trades might come with some extra costs.
If you’re a freelancer, seller, trader, or small biz owner using PhonePe daily, those fees can add up faster than your chai order count. That’s where our calculator comes in. 😎
The Hidden Charges on PhonePe (And Why You Might Miss Them)
Not all PhonePe fees are super obvious. Here’s what you should look out for:
Specific PhonePe Charges (as of 2025):
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UPI Transactions: No charges.
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Equity Delivery Investments: No brokerage fees.
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Equity Intraday & Futures Trading: ₹20 per executed order.
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Options Trading: ₹20 per executed order.
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Other Fees:
- STT (Security Transaction Tax): 0.1% on sell turnover.
- Exchange Transaction Charges: 0.00325% (NSE) and 0.00375% (BSE) of turnover.
- SEBI Turnover Fees: 0.0001% of turnover.
- Stamp Duty: 0.015% on buy turnover, 0.003% on buy turnover.
- IPFT (Investor Protection Fund Trust): 0.0001% of turnover.
- GST: 18% on Brokerage, STT, Exchange Transaction charges, and IPFT.
- Physical Contract Notes: ₹50.
- Fund Transfer-in (non-UPI): ₹15 (exclusive of GST) per transaction.
These costs can be annoying—especially if you don’t see them coming. Our PhonePe Fee Calculator gives you instant clarity.
Why Use a PhonePe Fee Calculator?
✨ Because “surprise deductions” are sooo last season.
Here’s why you’ll love this tool:
- ✅ Instant Fee Breakdown – Know what you’ll get before hitting send
- ✅ Supports Multiple Modes – UPI, Wallet, Cards, Business payments, Equity Trading
- ✅ No Signup, No Stress – Just enter, click, and boom: results
- ✅ 100% Mobile-Optimized – Works great whether you’re in office or on the move
- ✅ Updated for 2025 – Fees change, and we keep up
How to Use Our PhonePe Fee Calculator – Step by Step
Using this tool is smoother than a UPI transfer:
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Enter Transaction Amount – e.g., ₹10,000
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Choose Payment Mode – UPI, Wallet, Card, Trading
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Select User Type – Individual / Merchant / Business / Trader
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View Results – You’ll instantly see:
- 💰 Total Fee
- ✅ Final Amount You Receive
- 📉 Effective Percentage
Example:
You’re a trader executing an equity futures order worth ₹10,000. With ₹20 flat brokerage, plus taxes:
- Brokerage = ₹20
- STT = ₹10
- Exchange + SEBI + IPFT + GST = ₹5.50
- You receive = ₹9,964.50
Simple, clean, and no calculator required on your part.
Who Should Use This Tool?
This isn’t just for hardcore finance bros. It’s built for real people doing real work.
- 🧾 Freelancers getting paid via wallet or card
- 🏪 Small business owners accepting digital payments
- 📈 Traders & investors using PhonePe for investments
- 👩💼 Online sellers using PhonePe for checkout
- 📲 Everyday users just curious about deductions
- 👨💻 Developers & agencies handling business-level PhonePe accounts
If you use PhonePe, this tool’s for you.
Why Our Fee Calculator Stands Out
There are tons of “calculators” online. But here’s why ours slaps:
- 🔥 Completely Free to Use
- 🧠 Updated With the Latest Fee Rules
- 🚫 No Ads or Popups
- 📲 Sleek UI Built for Mobile & Desktop
- 🕓 Real-time results with smart logic
Made for Gen Z brains with pro-level accuracy.
Frequently Asked Questions (FAQs)
Q1: Does PhonePe charge for UPI transfers?
For personal users, UPI is generally free. For business users, certain banks may apply small transaction charges.
Q2: Are wallet-to-bank transfers free?
Nope. These usually come with a fee—often between 1% to 3% depending on the payout method and amount.
Q3: How much are card processing fees on PhonePe?
Typically between 1.8% to 2.5% for merchants. This can vary based on card type (credit/debit) and bank.
Q4: What are PhonePe’s charges for trading?
₹20 per executed order for intraday, futures, or options trades. STT, SEBI fee, exchange charges, IPFT, and GST apply as per trade value.
Q5: Can I use this calculator for merchant accounts?
Absolutely. Just select the “Business” or “Merchant” option for accurate results.
Q6: Is the calculator updated with 2025 rates?
Yep! We track PhonePe updates and payment regulations so you don’t have to.
Q7: Can I calculate GST with this too?
Not right now. But stay tuned—an integrated GST + Fee tool is coming soon.
Q8: Do you store my data?
No way. We don’t track, log, or save anything you enter. It’s totally anonymous.
Q9: Is there a mobile app?
Currently, it’s web-based—but the experience is optimized for all screen sizes.
Final Thoughts: Stay Informed, Keep More of What You Earn 💼
If you’re doing business or just managing your side hustle, every rupee counts. Instead of guessing how much you’ll actually receive, just plug your numbers into our PhonePe Fee Calculator and get clarity in seconds.
No more surprises. No more guessing games. Just cold, hard math—made ridiculously simple.
Try it now and bookmark the page—you’ll be using it more often than your coffee machine. ☕
