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Restocking Fee Calculator

📅Last updated: December 14, 2025
Reviewed by: LumoCalculator Team

Calculate how much you'll actually receive when returning an item. Account for restocking fees, shipping costs, and item condition to know your true refund amount.

Restocking Fee Calculator

Calculate return fees & refunds

Return Calculation Results

Your Net Refund
$84.99
85.0% of original price
Breakdown
Original Price$99.99
Restocking Fee (15.0%)-$15.00
Net Refund$84.99
Original Price
$99.99
Restocking Fee
$15.00
15.0%
💡 Summary

With a 15.0% restocking fee on $99.99, you'll pay $15.00 and receive $84.99 back.

Quick Reference

Fee Rate15.0%
Total Deductions$15.00
Percent Refunded85.0%
Item ConditionOpened / Used

What You Lose

Restocking Fee$15.00
Total Lost$15.00

Restocking Fees by Retailer

RetailerCategoryFee RateNotes
AmazonElectronics15-20%20% if opened
AmazonGeneral merchandise0-15%Varies by category
Best BuyElectronics15%Reduced to 0% for Elite members
AppleAll products0%14-day return window
CostcoElectronics0%90-day return policy
TargetElectronics0%30-day return policy
WalmartElectronics0%30-day return policy
Home DepotSpecial orders15%Non-returnable items
WayfairLarge items0-50%Based on item size/condition

* Rates may vary. Always check the retailer's current return policy before purchasing.

Return Condition Guidelines

Unopened

Original packaging sealed and intact

Standard rate or lower

💡 Keep all packaging until you decide to keep the item

Opened

Package opened but item in new condition

Standard restocking fee

💡 Keep all accessories, manuals, and original packaging

Damaged

Item shows signs of damage or heavy use

Higher fee (15-50% additional)

💡 Document condition before returning, may be rejected

Defective

Manufacturing defect, not customer damage

Usually no fee, full refund

💡 Document the defect, may qualify for warranty

Understanding Restocking Fees

📦 Why Retailers Charge Fees
  • • Cost of inspecting returned items
  • • Repackaging and restocking labor
  • • Potential loss of resale value
  • • Deterrent against frivolous returns
  • • Recovery of processing costs
✓ When Fees Don't Apply
  • • Manufacturer defects
  • • Wrong item shipped
  • • Item significantly different from description
  • • Damaged during shipping
  • • Within "no questions asked" return window
⚠️ Common Fee Triggers
  • • Opening sealed packaging
  • • Missing original accessories
  • • Returning after return window
  • • Signs of use or wear
  • • No receipt or proof of purchase
📋 Your Rights
  • • Fees must be disclosed before purchase
  • • Right to full refund for defective items
  • • Credit card chargeback options
  • • State consumer protection laws may apply
  • • Document everything for disputes

Tips to Avoid or Reduce Restocking Fees

Check the return policy BEFORE purchasing
Keep all original packaging and accessories
Return items as quickly as possible (within return window)
Don't open items unless you're sure you'll keep them
Use store credit cards that offer better return policies
Consider price-matching instead of returning and rebuying
For defective items, document the issue and request a full refund
Some credit cards offer return protection benefits

True Cost of Returns

Item Price10% Fee15% Fee20% Fee25% Fee
$50$5.00$7.50$10.00$12.50
$100$10.00$15.00$20.00$25.00
$200$20.00$30.00$40.00$50.00
$500$50.00$75.00$100.00$125.00
$1000$100.00$150.00$200.00$250.00

* Return shipping costs are additional. Total deductions may be significantly higher.

Frequently Asked Questions

What is a restocking fee?
A restocking fee is a charge that retailers deduct from your refund when you return a purchased item. It's designed to cover the costs associated with processing returns, inspecting items, repackaging products, and potential loss of value. Restocking fees typically range from 10% to 25% of the original purchase price, though some retailers charge up to 50% for certain items. The fee is usually disclosed in the store's return policy. Items like electronics, appliances, furniture, and opened software often have higher restocking fees because they may require more extensive inspection, testing, or cannot be resold as new once opened.
Are restocking fees legal?
Yes, restocking fees are legal in most jurisdictions, provided the retailer clearly discloses the fee policy before purchase. In the United States, there is no federal law prohibiting restocking fees. However, some states have specific regulations: California requires restocking fees to be clearly posted at the point of sale; some states limit the maximum fee percentage; certain consumer protection laws may apply if fees weren't disclosed. Retailers can generally set their own policies as long as they're clearly communicated. The fee must be disclosed before purchase, typically on receipts, in-store signage, or the return policy. If a restocking fee wasn't disclosed and you were charged one, you may have grounds to dispute the charge.
How can I avoid paying a restocking fee?
There are several strategies to avoid or minimize restocking fees: 1) Check the return policy before purchasing - many retailers don't charge fees at all; 2) Keep items unopened if you're not sure you'll keep them; 3) Return items quickly - some fees increase the longer you wait; 4) Use store credit cards that offer better return benefits; 5) For defective items, insist on a full refund (no fee should apply); 6) Shop at retailers known for generous return policies (Costco, Target, Nordstrom); 7) Purchase during promotions that waive restocking fees; 8) Become a loyalty member - many stores waive fees for elite members; 9) Ask to speak with a manager - fees are sometimes waived as a courtesy; 10) Use credit cards with return protection benefits that may reimburse fees.
Do all retailers charge restocking fees?
No, not all retailers charge restocking fees. Many major retailers have eliminated or significantly reduced restocking fees to remain competitive. Retailers that typically DON'T charge fees include: Costco (90-day electronics return), Target, Walmart, Nordstrom, REI, L.L.Bean, Zappos, and Apple (within 14 days). Retailers that commonly DO charge fees include: Amazon (15-20% for electronics), Best Buy (15% for most items), B&H Photo, Newegg, specialized electronics stores, and furniture retailers. The trend has been toward fewer restocking fees, especially for general merchandise, though electronics and special-order items still commonly incur fees. Always check the specific retailer's current policy before purchasing.
What items typically have the highest restocking fees?
Certain product categories consistently have higher restocking fees due to their nature: 1) Electronics (TVs, computers, cameras): 15-25% - may be opened, tested, or missing accessories; 2) Furniture and mattresses: 15-50% - large items are expensive to ship and inspect; 3) Special orders and custom items: 15-50% - difficult or impossible to resell; 4) Software and digital products: May be non-returnable or face high fees once opened; 5) Drones and RC vehicles: 15-25% - may have been flown/used; 6) Large appliances: 15-25% - expensive to transport and inspect; 7) Camera equipment: 15-20% - lenses and bodies lose value quickly; 8) Musical instruments: 10-20% - delicate and may show use; 9) Seasonal items after season: Higher fees or no returns accepted; 10) Items without original packaging: Additional fees or reduced refund.
What is the difference between a restocking fee and return shipping costs?
Restocking fees and return shipping costs are separate charges that both reduce your refund: RESTOCKING FEE: A percentage of the item's price (typically 10-25%) deducted by the retailer to cover processing, inspection, and repackaging costs. This is charged regardless of shipping method. RETURN SHIPPING: The cost to physically send the item back to the retailer. You may pay this directly or have it deducted from your refund. Amounts vary by item size/weight and distance. In total, you could lose both amounts. Example: Return a $200 item with 15% restocking fee ($30) plus $15 return shipping = $45 total deductions, receiving only $155 back. Some retailers offer free return shipping but still charge restocking fees, while others may waive restocking fees but require you to pay return shipping. Always calculate both when considering a return.
Can I dispute a restocking fee?
You can attempt to dispute a restocking fee in several situations: 1) If the fee wasn't disclosed before purchase - check your receipt and the store's posted policies; 2) If the item is defective - manufacturer defects should warrant a full refund; 3) If you received the wrong item - this is the retailer's error; 4) If the item was misrepresented - doesn't match the description or photos; 5) If you're a loyal customer - stores may waive fees for good customers. To dispute: Start by contacting customer service politely explaining your situation; ask to speak with a supervisor or manager; reference their return policy and any discrepancies; document everything including order numbers and communications; if charged to a credit card, you may be able to dispute with your card issuer for policy violations; consider leaving a review mentioning the issue. Success varies, but being polite, persistent, and well-documented helps.
Do restocking fees apply to online purchases?
Yes, restocking fees can apply to online purchases just as they do to in-store purchases. In fact, online returns often involve additional considerations: 1) The fee percentage is usually the same as in-store returns; 2) You typically also pay return shipping unless the retailer offers free returns; 3) Some online-only retailers have higher fees because processing online returns is more complex; 4) Many e-commerce sites clearly state restocking policies on product pages and checkout; 5) Marketplaces like Amazon have specific fee policies by category. However, some consumer-friendly online retailers (Amazon Prime, Zappos, ASOS) offer free returns with no restocking fees as a competitive advantage. Always check: the product page for item-specific policies; the general return policy; whether free return shipping is included; the condition requirements for full refund.