Platform Payout & Fee Calculator

The calculator separates the amount a platform or payment stack is expected to leave after refunds and provider fees from the amount you choose to keep available after a tax reserve. That distinction matters: a reserve is money you set aside for planning, not normally another commission removed by the platform.

Use Estimate payout when you know gross sales. Use Find required sales when you know the cash amount you want left after the selected fees, refund assumptions, and reserve. The reverse calculation is useful for pricing a launch, setting a revenue target, or checking whether a campaign can fund a specific expense.

A platform commission may apply to gross processed revenue or only to revenue retained after refunds. Payment processors can follow a different rule, and some providers do not return the original processing charge when a payment is refunded. The calculator therefore keeps the platform-fee basis and percentage-processing basis separate instead of silently assuming every provider behaves the same way.

The fixed processing charge is multiplied by the number of processed transactions entered. Use the original processed count when those fixed charges remain payable after refunds. Use the count that actually attracts the fee when your provider or platform contract treats refunded or cancelled transactions differently.

Refunded revenue is entered as a percentage of sales value, while transaction count controls fixed per-payment charges. They should not be assumed to move together. One high-value refund can remove a large share of revenue while affecting only one transaction; many small refunds can do the opposite.

For a close estimate, use the revenue-weighted refund rate from an actual payout statement or sales report and the number of payments that incurred the fixed fee. Do not substitute an order-count refund percentage when refunded orders have a very different average value from retained orders.

Provider fees combine platform commission, percentage processing, fixed processing charges, and any other fixed adjustments you enter. The effective provider fee rate divides those costs by gross sales. Refunds are shown separately because they return customer money rather than pay a provider, even though both reduce cash available.

The payout before reserve is the estimated transfer after refunds and provider fees. The available-after-reserve result then subtracts only the planning reserve selected by you. When deductions exceed sales, the calculator displays a negative payout instead of hiding the shortfall by forcing the result to zero.

The calculator uses the custom assumptions entered; it does not claim one universal fee for Stripe, PayPal, Patreon, Gumroad, Etsy, Shopify, app stores, or any other provider. Rates can differ by country, currency, plan, payment method, product type, tax treatment, and contract, and they can change over time.

Other fixed fees can represent known chargebacks, currency-conversion charges, monthly platform costs, reserves held by a provider, or manual account adjustments. The tool does not calculate income tax, sales tax, VAT, GST, cost of goods, advertising, shipping, or profit. Verify material decisions against current official pricing and your actual payout statement.