Enter your price, sales and fees, and see exactly what you take home each month after refunds, platform fees, payment processing, ads and running costs.
Fee helper: pick how you sell and the calculator fills in a typical platform fee. You can still edit every number.
Planning estimate only. Excludes sales tax/VAT, currency conversion and chargeback penalties. Check your platform and payment provider for exact rates.
Quick answer: Take your gross sales, then subtract refunds, platform fees, payment processing, ad costs and fixed running costs to get your take-home profit. For example, 50 sales of a $27 product on a 5% store, with 2.9% + $0.30 card fees and 3% refunds, leaves about $1,188 a month, an 88% margin.
The calculator starts from your gross sales and takes off each cost in turn, using only the numbers you enter — no hidden averages.
Gross sales = price × sales per month
Refunds = gross sales × refund rate
Platform fees = gross sales × platform fee %
Processing = gross sales × processing % + sales × fixed fee
Per-sale costs = sales × (ad cost + other cost)
Take-home profit = gross − refunds − platform − processing − per-sale costs − fixed costs
Break-even sales = fixed costs ÷ profit per sale before fixed costs
Fees are worked out on full gross sales, because most platforms don’t return their fee when you refund a sale. Break-even sales are rounded up.
The fixed card fee is the same on every sale. On a $97 course, 2.9% + $0.30 costs about 3.2% of the price. On a $5 icon pack, the same fee takes about 8.9%. That’s why bundling small products into one higher-priced pack usually keeps more money in your pocket.
When you refund a sale, you give the customer their money back, but the platform and card fees on that sale are usually not returned. So a refund costs you the full price plus the fees you already paid.
Example values are only placeholders. Your profit is only as accurate as the numbers you put in, so use real data as soon as you have it:
| Input | Where to find it | Tip |
|---|---|---|
| Sales per month | Your store dashboard (Gumroad, Payhip, Lemon Squeezy, WooCommerce) | Use an average of the last 2–3 months, not a launch spike. |
| Refund rate | Your store’s refunds report | Refunds ÷ total sales. Digital products are often under 5%. |
| Platform fee | Your platform’s pricing page | Some charge a % plus a flat amount. Put the flat part in “Fixed fee per sale”. |
| Processing fee | Stripe or PayPal pricing for your country | International cards and currency conversion often cost extra. |
| Ad cost per sale | Your ads manager: total spend ÷ sales from ads | Leave at 0 if your sales come from free traffic. |
| Monthly fixed costs | Your card statement and subscriptions | Add only tools you use for this product. |
Fees change often, so check your platform’s current pricing before relying on any preset.
80 sales of a $19 template = $1,520. Take off 2% refunds ($30.40), a 10% store fee ($152), card fees of 2.9% + $0.30 ($68.08) and a $20 email tool. Take-home: $1,249.52 a month, an 82% margin.
40 sales of a $97 course on your own checkout = $3,880. Take off 5% refunds ($194), card fees ($124.52), $35 ad cost per sale ($1,400) and a $99 platform plan. Take-home: $2,062.48 a month, a 53% margin. Ads are the biggest cost by far.
200 sales of a $5 pack = $1,000. Take off 1% refunds ($10), a 5% store fee ($50) and card fees ($89, of which $60 is the flat $0.30). Take-home: $851 a month. Card fees alone eat almost 9% of every sale.
A $49 workshop with 3% refunds, card fees and $20 ad cost per sale leaves about $25.81 per sale. With $300 a month in fixed costs, you need $300 ÷ $25.81 = 12 sales a month just to break even.
Every cost comes out of the same sale, so cutting any one of them raises your profit without needing more customers. Pick the lever that’s easiest for you to move:
Without paid ads, many digital products keep 80–90% of sales after fees, because there’s no stock or shipping. With paid ads, margins of 40–60% are common. Use the calculator with your own numbers to see where you stand.
Usually not. Most platforms and payment providers keep their fee on refunded sales, which is why this calculator works out fees on your full gross sales. Check your provider’s refund policy to be sure.
Yes. Enter that platform’s percentage fee in “Platform fee” and any flat per-sale charge in “Fixed fee per sale”. If the platform already includes card processing, set the processing fee to 0%.
Monthly tools you pay for to sell this product: website hosting, email marketing, a course platform plan, design software. Leave out costs you’d pay anyway for other projects.
No. Enter prices before tax. If your platform collects and pays VAT for you, it doesn’t affect your take-home profit.
No. It only changes the symbol shown. Enter all your amounts in the currency you choose.
Selling as an affiliate instead? Try the Affiliate Income Goal Calculator, then see our free traffic methods for beginners.
Disclaimer: This calculator is a planning tool, not an income promise. It uses only the numbers you enter and standard arithmetic. Real fees vary by platform, country and payment method, and many sellers earn little or nothing.
Last updated: 8 October 2026 · By Udaychandra, IncomeJets