// free tool · no signup · no email gate
Gumroad Fee Calculator
Enter a price, get the itemized cut: platform fee, card processing, and what lands in your account. I sold on Gumroad before building this shop, and the number I always wanted was the second one — not the sticker price.
Quick answer
Gumroad charges 10% + $0.50 per direct sale, plus 2.9% + $0.30 card processing. A $29 product nets you $24.46. If the buyer arrives through Gumroad Discover, the fee is a flat 30%, so the same $29 sale nets $20.30 instead.
Calculator
| Gumroad platform fee10% + $0.50 on every direct sale | −$3.40 |
| Card processing2.9% + $0.30 — charged on top of the platform fee | −$1.14 |
| Total fees (15.7% of price) | −$4.54 |
Selling it yourself with Stripe (2.9% + $0.30): you would keep $27.86 on the same sale — $3.40 more. Self-hosting also means you run checkout, taxes, and delivery yourself.
Fees verified 2026-06-10 against the official pricing page. Spot an outdated number? Email support@toolgenx.com.
// the fee structure
How Gumroad fees work in 2026
Gumroad's fee has two layers on direct sales: a 10% + $0.50 platform fee, and card processing at 2.9% + $0.30 billed on top. Discover sales replace both with one all-inclusive 30% cut. The platform fee pays for hosted checkout, file delivery, and merchant-of-record tax handling.
The part that surprises most sellers is the fixed component. Percentages scale down gracefully; fixed fees do not. On a $119 toolkit the $0.80 of combined fixed fees is noise. On a $0.99 impulse product, $0.80 fixed plus the percentages leaves you about $0.06 — and below roughly $0.86, you are literally paying Gumroad for the privilege of selling. That is not a bug in this calculator. It shows negative payouts on purpose, because pretending the floor does not exist is how people price at $0.99 in the first place.
Discover's 30% sounds steep next to 10%, and on existing customers it is. The fair way to read it: a Discover sale is a customer you did not have. 70% of a stranger's money beats 100% of a sale that never happens. The mistake is letting repeat buyers keep arriving through Discover search instead of your own link — that turns a one-time acquisition cost into a permanent 30% tax.
// honest take
When Gumroad's 10% is worth paying
Under roughly $1,000/month in sales, Gumroad is usually the right call despite the fee. The math: at $500/month, the Gumroad-vs-Stripe gap is about $40 — less than an hour of most freelancers' time, and self-hosting costs far more than an hour a month. Past $3,000/month the gap exceeds $250 and the case for your own Stripe checkout gets real. Between those lines, it depends on whether you enjoy infrastructure work.
For the full platform-by-platform breakdown beyond fees — refunds, payment methods, curation — I wrote an honest ToolGenX vs Gumroad comparison covering exactly that decision. To see every platform side by side on one price, use the platform fee comparison.
// three real price points
Gumroad vs Stripe net payout at $9, $29, $119
These are the three price points we use in our own catalog, run through the same fee engine as the calculator above. Net payout means money in your account after every fee on that route.
| Sale price | Direct sale — your own audience | Gumroad Discover — marketplace traffic | Stripe self-hosted |
|---|---|---|---|
| $9.00 | $7.04 | $6.30 | $8.44 |
| $29.00 | $24.46 | $20.30 | $27.86 |
| $119.00 | $102.85 | $83.30 | $115.25 |
Stripe self-hosted assumes a US domestic card and ignores what your time costs: checkout page, webhook handling, EU VAT, refund flow, delivery infrastructure. I built exactly that stack for this site and it took three weeks. The honest comparison is "3.4% + $0.80 versus 2.9% + $0.30 plus three weeks of plumbing".
// common questions
Gumroad fees — common questions
- How much does Gumroad take per sale in 2026?
- Gumroad takes 10% + $0.50 on direct sales, plus card processing of 2.9% + $0.30 charged separately. On a $29 product that is $4.54 in total fees, so you keep $24.46. Sales that come through Gumroad Discover cost a flat 30% — $8.70 on the same $29 product.
- What is the difference between a direct sale and a Discover sale?
- A direct sale is a buyer who reached your Gumroad page through your own link — your email list, social profile, or website. A Discover sale is a buyer Gumroad found for you through its marketplace search and recommendations. Gumroad charges 10% + $0.50 + processing for direct, and a flat all-inclusive 30% for Discover.
- Is Gumroad cheaper than selling with Stripe on my own site?
- Per transaction, no. Stripe charges 2.9% + $0.30, so a $29 sale nets $27.86 self-hosted versus $24.46 on Gumroad direct. The $3.40 gap is what you pay Gumroad for hosting checkout, file delivery, and VAT handling. Whether that trade is worth it depends on your volume and how much infrastructure you want to run.
- Does Gumroad charge fees on free products?
- No fee is charged on $0 downloads — there is no sale to take a percentage of. Fees apply only when money moves. Note that pay-what-you-want products are charged on whatever the buyer actually pays.
- Are Gumroad fees deducted before or after VAT?
- Gumroad acts as merchant of record in most regions, so it collects VAT or sales tax from the buyer on top of your price, remits it, and calculates its fee on your price — not on the tax. The payout you see already has both tax and fees handled.
- How accurate is this calculator?
- The fee table was last verified on 2026-06-10 against gumroad.com/pricing, and the verification date is printed on the calculator. The math is itemized line by line so you can check it against your own Gumroad payout statement. If a number drifts from reality, email support@toolgenx.com and it gets fixed.
// while you are doing seller math
Selling digital products? The toolkits in our catalog are built for exactly that.
19 products, $9–$119 one-time, including the Startup Launch Arsenal for founders shipping their first paid product.
Open the catalog →