United States · Digital products
The digital product fee stack.
One sale, several fee layers. Enter the rate from each official page and see what you keep, layer by layer.
Fees per sale = price x (platform % + processor % + conversion %) + flat fees + offsite ads % x share of orders it applies to x price. In the example, a $40.00 sale carries $7.46 of fees (18.65%) and leaves $32.54.
Fee layers
Every figure above is your own assumption, not a quoted rate. Runs in your browser; nothing is sent or stored.
Result
The layers, one at a time
Platform fee. A marketplace or storefront takes a percentage of the sale, sometimes plus a flat amount, and some also charge per listing. Etsy Fees & Payments Policy describes listing, transaction, payment processing and offsite ads charges; Gumroad pricing publishes its own structure. Sources disagree on Gumroad's flat component, so this page hard-codes nothing: type in what the current page says.
Payment processor. Where the platform does not process payments, or you sell through your own site, a processor such as Stripe takes a percentage plus a flat amount per charge. Read the figure that matches your payment method and country on Stripe pricing.
Currency conversion. If a buyer pays in a different currency from your payout currency, a conversion fee can apply. Enter 0 if all of your sales are in dollars.
Offsite ads. Some marketplaces run ads for your listings elsewhere and charge a fee only on orders that come from them. Because the fee applies to a share of orders, the model multiplies the offsite rate by the share you enter. If you cannot estimate that share, run the page at 0% and again at 100% to bracket it.
Worked example
A $40.00 sale with the placeholder rates in the form: platform fee (percent) $4.00; payment processor (percent) $1.16; currency conversion $0.80; flat fees (platform + processor) $0.30; offsite ads (share of orders attributed) $1.20. Total $7.46, or 18.65% of the price, so you keep $32.54. Notice that the flat $0.30 matters more on cheap items: on a $4.00 sale the same flat fee alone is 7.5% of the price.
What to do next
Take the total into the break-even calculator to see how many sales you need, or into the hourly return calculator to see what an hour of work earns. For per-platform detail, use the Etsy and Gumroad fee calculators.
What this does not cover
- Refunds, chargebacks and dispute fees. The break-even calculator handles refunds.
- Taxes of any kind, including sales tax collected from buyers.
- Whether a given fee applies to your account, country or plan: check the official page for your situation.
- Payout delays, reserves, or currency exchange rate swings.
Sources
Retrieved October 2026. The formulas are arithmetic on the numbers you enter. The pages below are where to read the current rules and rates yourself.
- Etsy Fees & Payments Policy: fee structure
- Stripe pricing: processor fees
- Gumroad pricing: platform fee structure
Results vary. This page models the assumptions you type in. It does not report what anyone earns, predict sales, or promise income. It is general information, not tax, legal or financial advice.
Frequently asked questions
What fees come out of a digital product sale?
Typically a platform fee, a payment processing fee, sometimes a currency conversion fee and, on some marketplaces, an offsite ads fee on orders that came from those ads. Each is on the platform's own fee page.
Why does this page not list the actual rates?
Rates change and sources disagree, for example on Gumroad's flat fee. Linking to the official page and asking for your rate avoids showing a stale number.
How do I estimate the offsite ads share?
Use your own order history if the platform shows which orders came from its ads. Otherwise bracket it by running 0% and 100%.
Do flat fees matter?
Yes on low prices. A flat per-sale fee is a larger share of a $4 sale than of a $40 sale.