Free tool

What you keep from a sale

A sale price isn't what lands in your account. Enter your price and your platform's fees to see what you keep from each sale and each month, and the real percentage you pay in fees. It runs in your browser; nothing you type is sent anywhere.

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1 Your sales

Use one currency for everything. The platform examples below are in US$; the Australian card fees are in A$.

2 Your platform's fees

Copy the fees from your platform's pricing page.

3 Card or payment fee

Charged by the payment processor on every sale, whichever platform you use, unless your platform's fee already includes it.

4 What you keep

Enter a sale price to see what you keep.

How the numbers are worked out

  • Per sale: price, minus the platform's % and fixed fee, minus the card fee (% of the price plus the fixed amount).
  • Per month: what you keep from every sale, minus the monthly platform fee. "Kept per sale" shares that monthly fee across the month's sales, so it changes with how much you sell.
  • Effective fee: everything you paid in fees that month, as a share of what buyers paid.
  • Left out: sales tax or GST you collect and pass on, refunds and chargebacks, currency conversion, payout fees, and the cost of any other tools you pay for. Some platforms that handle sales tax for you charge it inside their fee; check yours.
  • Small prices: fixed fees hurt most on cheap products. On a $5 sale, a 30¢ card fee alone is 6% of the price.

When you'll outgrow the free plan

Systeme.io's Free plan is in the list above as "All-in-one platform, free plan": $0 a month and a 0% transaction fee, so in this calculator it always keeps the most. That's real, but it has limits that the fee maths doesn't show. Here's where they are, and what the cheapest paid plan, Startup, adds for US$17 a month.

Where the numbers come from

Card fees are Stripe's published standard rates, checked on 29 October 2026: US 2.9% + 30¢ for domestic cards and an extra 1.5% for international cards; Australia 1.65% + A$0.30 for domestic cards and 3.5% + A$0.30 for international cards, GST included (Stripe says international pricing drops from 1 April 2027). PayPal and other processors price differently, so use "My own card fee" for those.

The all-in-one examples use Systeme.io's published plans (Free $0 and Startup US$17 a month, 0% transaction fee on every plan), re-checked on systeme.io/pricing on 29 October 2026. The Free plan caps lifetime sales at US$10,000. The pay-per-sale example (10% + US$0.50 per sale, no monthly fee) is one well-known creator store's published rate for direct sales, checked on 29 October 2026. Rates differ between platforms and change often, so type in your own platform's fees from its pricing page.

Want to add up every tool you pay for, not just sales fees? Use the software cost calculator. Comparing Systeme.io's plans in detail? See Systeme.io free vs paid plans or the plan checker.

This is general information, not financial, legal or tax advice.