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Digital Seller Fee Calculator: Marketplace vs Your Own Shop

A free fee calculator for digital sellers on Etsy, Gumroad, Payhip or any other marketplace. See what a marketplace's percentage cut actually costs you against running your own digital shop, and how fast that gap grows as you sell more.

Most sellers know the percentage their marketplace takes, but few have added it up over a year. Enter your monthly sales and how many orders that is, then fill in the fees you really pay. On the marketplace side that is the transaction and listing fee plus payment processing. On the own-shop side it is your hosting cost plus payment processing. Everything updates as you type.

The two percentages show how much of each sale you keep. The last figure is the extra you would keep over a year by selling from your own shop instead.

Card processing fees from Stripe or PayPal apply wherever you sell, which is why they appear on both sides. The starting figures are only examples, so replace them with your own numbers. Your last payout statement will show the exact percentages you pay.

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Marketplace Fee Calculator: How Much Do Etsy, Gumroad and Payhip Fees Cost You Each Year?

If you sell digital products through a marketplace, a small percentage on every sale adds up faster than most sellers expect. This free calculator turns your fees into a yearly figure, so you can compare selling through a marketplace with selling from your own digital shop.

Key takeaways
  • It compares what you keep from each sale on a marketplace and on your own shop.
  • You enter your monthly sales, your order count and the fees you actually pay.
  • The last figure shows the extra you would keep over a year by selling from your own shop.
  • The starting figures are examples, so replace them with your own numbers.

What the calculator works out

What to enter
You enter What it means
Your monthly sales What you take in each month, in pounds.
Number of orders per month How many orders that total is made up of.
Marketplace transaction and listing fee The percentage your marketplace takes from each sale.
Payment processing per order The percentage plus fixed amount that Stripe or PayPal charge. Enter it for both sides.
Hosting cost per month What your own digital shop costs to run.
  1. Enter your sales and ordersUse a typical month.
  2. Fill in your marketplace feesYour last payout statement shows the exact percentages.
  3. Fill in your own-shop costsHosting plus payment processing.
  4. Read the three resultsWhat you keep on each side, and the extra you keep in a year.
Good to know

Card processing fees from Stripe or PayPal apply wherever you sell, which is why they appear on both sides.

Which fees should I include?

On the marketplace side, the transaction and listing fee plus payment processing. On the own-shop side, your hosting cost plus payment processing.

Are the starting figures real?

No. They are only examples, so replace them with your own numbers. The results are estimates.

Who is the Fee Calculator for?

Anyone selling PDFs, guides, templates, courses or other digital products through Etsy, Gumroad, Payhip or a similar marketplace.

How much of your business do you own?

Fees are one part of owning your business. This quick check looks at the rest: your customer list, your domain and what happens to your income if a platform changes its rules.

Self check

Rented or owned?

  1. I can export my full customer list today.
  2. My income would carry on if a platform changed its rules.
  3. My customers buy on my own domain, not on a marketplace.
  4. I know exactly what I pay in fees each year.
  • Mostly rentedMost of your business sits on someone else's platform. Use the calculator above to see what that costs you.
  • Partly yoursYou own some of it. Moving your shop and customer list to your own domain would close the gap.
  • You own most of itDjangify is for keeping it that way, with a shop and customers that stay yours.
Selling digital products without the fees Try the Platform Cost Calculator

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