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Gumroad Fee Calculator (2026): Fees & Reverse Invoice Calculator

See exactly how much Gumroad takes from a payment at 10% + $0.50 per domestic transaction, including international card and currency conversion surcharges, or flip to reverse mode to find the invoice amount that leaves you with 100% of your target after fees.

Data as of November 2026

Calculation mode
$
Transaction type

You receive

$899.50

From a $1,000.00 payment via Gumroad

Gumroad fee

$100.50

10% + $0.50

Effective fee rate

10.05%

of the payment amount
Payment breakdown
Net payout to you: $899.50Gumroad processing fee: $100.50
  • Net payout to you$899.5090%
  • Gumroad processing fee$100.5010%

Same payment on every platform

PlatformFeeYou receive
2.9% + $0.30$29.30$970.70
3.3% + $0.30$33.30$966.70
3.49% + $0.49$35.39$964.61
5% + $0.50$50.50$949.50
10% + $0.50$100.50$899.50

Card processing only. Payout, dispute and add-on product fees are separate.

Gumroad fees explained

Gumroad charges a flat 10% + 50¢ on direct sales through your own profile or links. Sales that come through Gumroad's Discover marketplace are charged a higher flat percentage instead.

Best for:Creators selling digital products, templates and courses with zero setup.

Gumroad pricing details
Domestic card rate10% + $0.50
International card surchargeNone
Currency conversionNone / not offered
Chargeback / dispute fee$15.00
Monthly feeNone
Merchant of recordYes (handles sales tax/VAT)
Payout speedWeekly payouts (Fridays)

How to pass Gumroad fees to your client

To receive a specific amount after fees, gross up the invoice: charge = (target + fixed fee) ÷ (1 − percentage rate), rounded up to the next cent. With Gumroad's 10% + $0.50 rate, receiving exactly $1,000 means invoicing $1,111.67, so the client covers$111.67 in fees and you net $1,000.00. Simply adding 10% to the invoice is not enough, because Gumroad also takes its percentage from the extra amount.

Gumroad vs. other payment platforms

Fees on domestic card payments of different sizes. Ranked by what you keep from a $1,000 payment.

PlatformRateFee on $100Fee on $500Fee on $1,000Fee on $5,000Invoice to net $1,000
Stripe2.9% + $0.30$3.20$14.80$29.30$145.30$1,030.18
Square3.3% + $0.30$3.60$16.80$33.30$165.30$1,034.44
PayPal3.49% + $0.49$3.98$17.94$35.39$174.99$1,036.67
Lemon Squeezy5% + $0.50$5.50$25.50$50.50$250.50$1,053.16
Gumroad10% + $0.50$10.50$50.50$100.50$500.50$1,111.67

Gumroad pros

  • Acts as merchant of record and handles sales tax and VAT
  • No monthly fee or setup
  • Built-in storefront, licensing and audience tools

Gumroad cons

  • Much more expensive per sale than a direct processor
  • Sales through the Discover marketplace carry a higher fee
  • Payouts are weekly rather than daily

Frequently asked questions

How much does Gumroad charge per transaction?

Gumroad's standard rate is 10% + $0.50 per domestic transaction. There is no extra percentage for international cards or currency conversion. On a $1,000 payment you would pay $100.50 in fees and receive $899.50.

How do I pass Gumroad fees on to my client?

Use the reverse (gross-up) formula: add the fixed fee to the amount you want to receive, then divide by one minus the percentage rate. To receive exactly $1,000 through Gumroad on a domestic payment, invoice $1,111.67. Some US states and card network rules restrict credit card surcharges, so label it as a service or processing fee and check the rules where your client is located.

Is Gumroad cheaper than other payment platforms?

On a $1,000 domestic payment, Gumroad keeps $100.50. In our comparison the cheapest option is Stripe at $29.30, and the most expensive is Gumroad at $100.50. Gumroad is a merchant of record, so part of the higher fee pays for sales tax and VAT compliance.

Why use Gumroad if the fee is so much higher than Stripe?

As merchant of record, Gumroad collects and remits sales tax and VAT around the world, which can be a significant compliance burden for a solo creator. For low-volume digital product sales, that can be worth the higher fee.