US digital sales
What you keep after fees.
Net payout on a sale, itemized. Etsy, Stripe, Gumroad. No account.
Etsy
you keep on $39 · no ads
Etsy fees calculator
Listing, transaction, processing, Offsite Ads.
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Stripe
you keep on $39 · Payment Link
Stripe fees calculator
US card 2.9% + $0.30. Optional Billing.
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Gumroad
you keep on $39 · direct card
Gumroad fees calculator
Direct 10% + $0.50 plus processing. Discover 30%.
Open calculator →Same $39 example on each page so the three nets are comparable. Numbers are estimates. Fees change. Not affiliated with Etsy, Stripe, or Gumroad.
What this is
Public US fee formulas, line by line. Tax, FX, refunds, and payout rails can still change the deposit. Each calculator cites the official page (read August 21, 2026).
Quick answers
Are these the official rates?
They follow public help and pricing pages as of August 21, 2026. If a platform’s dashboard shows a custom rate, use that instead. Estimates only.
Why is Etsy’s $0.20 listing fee on a sale?
Etsy charges $0.20 when you list (and on renewals), not at checkout. For a single-sale example we include it as a cost of that sale. You can turn it off.
Is Gumroad really 10%?
The pricing page shows 10% + $0.50 on direct sales. Gumroad’s fee help article says credit card processing (2.9% + $0.30) is extra. This calculator uses that all-in direct-card model. Discover is a separate 30% that includes processing.
Estimates only. Fees change. Not affiliated with Etsy, Stripe, or Gumroad. Pro coming — save this scenario.