Creator platform fee calculator
Type a price and a number of payments, and this calculator shows what you keep on Patreon, Buy Me a Coffee, Ko-fi, Gumroad, Lemon Squeezy, Substack and Sendclap after each platform's published fee. It runs in your browser and sends nothing anywhere.
| Platform | You keep per payment | You keep per month | Fees per month |
|---|---|---|---|
| Sendclap, card | $9.31 | $9.31 | $0.69 |
| Sendclap, crypto | $9.90 | $9.90 | $0.10 |
| Patreon | $8.41 | $8.41 | $1.59 |
| Buy Me a Coffee | $8.86 | $8.86 | $1.14 |
| Ko-fi (5% plan) | $8.91 | $8.91 | $1.09 |
| Lemon Squeezy | $9.00 | $9.00 | $1.00 |
| Gumroad | $8.50 | $8.50 | $1.50 |
| Substack | $8.41 | $8.41 | $1.59 |
How each line is calculated
The page loads with a $10 payment, paid by card at Stripe's US rate of 2.9% + 30¢. Change the processing fields if your rate is different. Each platform's published fee is applied as follows, all read from the platform's own pages on 2026-11-14.
- Sendclap: 1% of the payment, plus your own Stripe account's processing fee for cards. Crypto payments carry only the 1%. Source: Sendclap fees.
- Patreon: 10% plus card processing. Patreon also lists currency conversion and payout fees, which this calculator leaves out, so the real figure is lower than shown. Source: patreon.com/pricing.
- Buy Me a Coffee: 5%, card processing and a 0.5% payout fee, for a one-off payment from the US. It adds 1% for payments from outside the US and 0.5% for memberships, which are not included here. Source: its help center on fees.
- Ko-fi: the 5% rate that applies to memberships, products and commissions, plus card processing. Tips on Ko-fi's free plan carry no service fee, so they would keep more than shown. Source: ko-fi.com/gold.
- Lemon Squeezy: 5% + 50¢, which includes card processing, so your processing fields do not change this line. Source: lemonsqueezy.com/pricing.
- Gumroad: 10% + 50¢ for sales you make yourself. Gumroad does not itemise card processing, so nothing is added on top. Sales through its Discover marketplace cost 30%. Source: gumroad.com/pricing.
- Substack: 10% plus card processing. Source: substack.com/going-paid.
What the calculator does not decide for you
Lemon Squeezy and Gumroad are your merchant of record: they collect and pay sales tax and VAT for you, which is part of what their fees buy. Sendclap is not a merchant of record, so you handle your own taxes. Ko-fi's free tips, GitHub Sponsors and Liberapay take no cut of donations. Read the full comparison for what each platform does and does not include.
Keep more of every payment
Sendclap takes a flat 1%, with no monthly fee, by card or crypto.