Gumroad Fee Calculator (2026 Updated Rates)
Gumroad charges creators 10% + $0.50 per direct sale plus standard 2.9% + $0.30 card processing — 12.9% + $0.80 all-in — while sales driven by Gumroad's Discover marketplace cost a flat 30%. The simplest fee model on this site, and one of the priciest per dollar.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| Gumroad (this page) | $3.25 | $15.75 | baseline | |
| Stripe | $0.85 | $18.15 | +$2.40 More 🟢 | PK → |
| Shopify | $0.85 | $18.15 | +$2.40 More 🟢 | |
| PayPal | $1.15 | $17.85 | +$2.10 More 🟢 | PK → |
| Lemon Squeezy | $1.45 | $17.55 | +$1.80 More 🟢 | PK → |
| Paddle | $1.45 | $17.55 | +$1.80 More 🟢 | PK → |
| Etsy | $2.26 | $16.74 | +$0.99 More 🟢 |
SaaS billing vs Merchant-of-Record break-even
| Provider | Monthly | Annual | Eff. rate | vs cheapest |
|---|---|---|---|---|
| Stripe (+ Billing & Tax)CHEAPEST | $515.00 | $6,180.00 | 5.15% | — |
| Polar.sh | $575.00 | $6,900.00 | 5.75% | +$60.00/mo |
| Paddle | $600.00 | $7,200.00 | 6.00% | +$85.00/mo |
| Lemon Squeezy | $710.00 | $8,520.00 | 7.10% | +$195.00/mo |
| Gumroad | $1,450.00 | $17,400.00 | 14.50% | +$935.00/mo |
Gumroad fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| $10.00 | $2.09 | $7.91 | 20.9% | $12.40 |
| $25.00 | $4.03 | $20.97 | 16.1% | $29.63 |
| $50.00 | $7.25 | $42.75 | 14.5% | $58.33 |
| $100.00 | $13.70 | $86.30 | 13.7% | $115.73 |
| $250.00 | $33.05 | $216.95 | 13.2% | $287.95 |
| $500.00 | $65.30 | $434.70 | 13.1% | $574.98 |
| $1,000.00 | $129.80 | $870.20 | 13.0% | $1,149.03 |
Gumroad fee formula & hidden costs
10% + $0.50 platform fee + 2.9% + $0.30 processing; payment processing 2.90% + $0.30
Worked example: $100.00 gross → $13.70 fees → $86.30 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $115.73.
Hidden fees to watch
- The 10% + $0.50 platform fee sits ON TOP of 2.9% + $0.30 card processing — 12.9% + $0.80 all-in.
- Discover marketplace sales cost a flat 30% total.
- On small products the $0.80 fixed stack hurts: a $5 download loses $1.45 (29%).
- Gumroad keeps processing fees on refunds.
Fee change history
How to pay less in Gumroad fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Lemon Squeezy — Merchant of record payments for SaaS and digital products.
Frequently asked questions
What are Gumroad fees on a $19 ebook?
Platform fee 10% + $0.50 ($2.40) + processing 2.9% + $0.30 ($0.85) = $3.25, netting $15.75. On a $5 product the same stack takes $1.45 (29%).
Is Gumroad Discover worth the 30% fee?
Discover sales are incremental revenue you did not generate — 30% of found money is still money. But never send your own audience through Discover links.
How much should I price a product to net $15 on Gumroad?
($15 + $0.80) / (1 - 0.129) = $18.14. The combined 12.9% + $0.80 stack is what you are grossing up against.
Gumroad vs Lemon Squeezy for digital products?
Lemon Squeezy charges 5% + $0.50 and handles global VAT as a merchant of record — half Gumroad's platform fee — though it adds surcharges for intl cards and PayPal.
Did Gumroad always charge 10% + $0.50?
No — Gumroad moved to the flat 10% + $0.50 model in April 2023, replacing its sliding 9% → 2.9% lifetime-sales tiers.