I built a tool that roasts your payment gateway setup (and it told me I was losing $2,844 a year)

Hey Devs,

My brother is a developer who kept hearing his freelance friends complain about getting blindsided by Stripe and PayPal fees. You know the drill—the "2.9% + 30¢" headline never tells the whole story. International card fees, FX spreads, microtransaction penalties... they eat your margins alive.

So he built FeeFlow Calculator, a free, 100% client-side tool that models exact net payouts across 460+ gateways in 123+ countries.

But here is the feature that made me laugh (and then cry): The Roast My Payment Setup engine.

Instead of just giving you a spreadsheet, it calculates a "Rip-Off Score" and roasts your financial decisions. I put in my freelance numbers (mostly domestic, with some international PayPal invoices) and it gave me a Rip-Off Score of 82/100 (FINANCIAL RUIN).

It estimated I was bleeding $2,844 a year to hidden PayPal FX spreads and cross-border fees. The exact text it gave me was: "PayPal standard for mixed transactions is financial negligence. You are losing more money to PayPal than most SaaS companies spend on cloud hosting."

Brutal. But accurate.

The tool also exposes 6 "MythBusters" traps that processors hide in their terms, like:

• The fact that Stripe and PayPal permanently keep the transaction fee on refunds (the "Keep The Fee" robbery).
• The 180-day rolling reserve black hole that freezes 10-25% of your sales with 0% interest.
• The invisible Amex & Corporate card surcharge that hits you at settlement.

It's completely free, no signup, and all the math runs in your browser (no client data is sent to a server).

If you want to get roasted or check your own net payouts, you can try it here: https://feeflowcalculator.com/

(If you're building a SaaS or a client portal, he also built a free Embeddable Widget with 0kb dependencies that you can drop right into your site so your users can calculate fees on the fly.)

Let me know what your Rip-Off Score is. Let's suffer together.