Circle Profit Calculator
Model a month of Circle memberships, courses, or paid community sales from member movement to after-reserve profit. Add starting members, new members, churn, average revenue, refunds, the editable Circle planning context, external processing, content and tools, contractors, marketing, overhead, hours, and a tax reserve. Platform fees stay separate from the external processor throughout the calculation.
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Make the next pricing or planning decision with context
Compare what remains from your Circle sales after the costs and fees you enter, then test a conservative and target scenario. It covers Circle community profit after churn, refunds, platform and processor fees, plan cost, content, contractors, marketing, and tax reserve.
Instant calculations · Editable fee assumptions · Export-ready results
Inputs
Values update results instantly. Adjust fee assumptions to match your seller dashboard.
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Members and revenue
Active members at the start of the month.
New paid members or equivalent paid sales during the month.
Share of starting members who leave during the month.
Average recurring or blended paid revenue per retained member.
Planning percentage of gross billings refunded or credited.
Circle terms
Editable planning contexts, not guaranteed current terms.
Use the editable monthly cost and transaction rate below.
Used when custom terms are on. Enter your current monthly cost.
Used when custom terms are on. Verify the current rate in your account.
External costs
External card or wallet processing, separate from Circle.
Fixed external processor charge per retained member or paid charge.
Operating costs
Programming, moderation tools, software, and content production.
Moderators, coaches, editors, support, or community contractors.
Ads, partnerships, launches, and audience acquisition.
Accounting, insurance, workspace, and other community costs.
Time and tax
Delivery, moderation, support, content, marketing, and admin hours.
Optional cash reserve applied only to positive pre-tax profit.
Results
Live estimates based on your inputs and editable fee assumptions.
Modeled paid members
318
Starting members after churn plus new members.
Gross monthly billings
$12,402.00
Refunds and credits
$248.04
Collected revenue
$12,153.96
Circle platform fees
$243.08
External processing
$447.86
Circle plan cost
$89.00
Content and tools
$400.00
Contractors
$600.00
Marketing
$300.00
Other overhead
$200.00
Pre-tax profit
$9,874.02
Pre-tax profit margin
Excellent79.6%
Tax reserve
$1,974.80
After-reserve profit
$7,899.21
Contribution per member
$36.05
Monthly contribution before fixed operating costs.
Break-even members
45
Members needed to cover plan and operating costs at this revenue assumption.
After-reserve profit per hour
$65.83
After-reserve profit divided by entered hours.
What this means
Pre-tax profit is 9874.02 at a 79.6% margin. After reserve, profit per community-business hour is 65.83.
Circle monthly profit breakdown
Interactive breakdown of fees, costs, and remaining profit.
Distribution
- Circle platform fees$243.082.4%
- External processing$447.864.4%
- Plan cost$89.000.9%
- Content and tools$400.003.9%
- Contractors$600.005.9%
- Marketing$300.002.9%
- Other overhead$200.002.0%
- After reserve$7,899.2177.6%
Total $10,179.16 · 8 segments · interactive
Line-item breakdown
Dollar amounts, share of revenue, and visual proportion.
- Modeled paid members
- 318
- Gross monthly billings
- $12,402.00
- Refunds and credits
- $248.04
- Collected revenue
- $12,153.96
- Circle platform fees
- $243.08
- External processing
- $447.86
- Plan cost
- $89.00
- Operating costs
- $1,500.00
- Pre-tax profit
- $9,874.02
- Pre-tax margin
- 79.6%
- Tax reserve
- $1,974.80
- After-reserve profit
- $7,899.21
- Contribution per member
- $36.05
- Break-even members
- 45
- After-reserve profit per hour
- $65.83
Assumptions used
- • Professional planning context: 2.0% platform fee and 89.00 monthly plan cost.
- • Starting 300 members x 96%, plus 30 new members = 318.0 modeled members.
- • Refunds 248.04; external processing 447.86; operating costs 1589.00.
- • Circle rates and planning costs remain editable assumptions to verify.
Your next best moves
Use your Circle Profit result to make the next decision. These Circle tools follow the same cost and pricing thread.
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Generated 9/10/2026, 11:57:09 AM · Currency USD
Inputs
- Starting active members: 300
- New members or sales: 30
- Monthly churn rate: 4
- Average monthly revenue per member: 39
- Refund rate: 2
- Circle plan context: professional
- Use custom Circle terms: false
- Monthly Circle plan cost: 89
- Circle transaction fee: 2
- Payment processor rate: 2.9
- Processor fixed fee per member: 0.3
- Monthly content and tools costs: 400
- Monthly contractor costs: 600
- Monthly marketing costs: 300
- Other monthly overhead: 200
- Community-business hours per month: 120
- Tax reserve rate: 20
Results
- Modeled paid members: 318
- Gross monthly billings: $12,402.00
- Refunds and credits: $248.04
- Collected revenue: $12,153.96
- Circle platform fees: $243.08
- External processing: $447.86
- Plan cost: $89.00
- Operating costs: $1,500.00
- Pre-tax profit: $9,874.02
- Pre-tax margin: 79.6%
- Tax reserve: $1,974.80
- After-reserve profit: $7,899.21
- Contribution per member: $36.05
- Break-even members: 45
- After-reserve profit per hour: $65.83
Interpretation
Pre-tax profit is 9874.02 at a 79.6% margin. After reserve, profit per community-business hour is 65.83.
How it works
Methodology & formulas
This calculator is transparent by design. Review the steps and formulas so you can trust the estimate and adjust assumptions when your dashboard differs.
Calculation steps
- 1Reduce starting members by churn and add new members.
- 2Calculate gross billings from modeled paid members and average monthly revenue.
- 3Subtract refunds, then apply Circle platform and external processor costs.
- 4Subtract plan, content, contractor, marketing, and overhead costs.
- 5Calculate pre-tax profit, margin, reserve, after-reserve profit, and effective hourly profit.
- 6Estimate break-even members from fixed costs divided by contribution per member.
Formulas
- Retained members = starting members x (1 - churn) + new members
- Gross billings = retained members x average monthly revenue
- Collected revenue = gross billings x (1 - refund rate)
- Pre-tax profit = collected revenue - Circle fee - processing - plan - content and tools - contractors - marketing - overhead
- After-reserve profit = pre-tax profit - max(0, pre-tax profit) x tax reserve
- Contribution per member = average revenue x (1 - refund) x (1 - Circle rate - processor rate) - processor fixed fee
- Break-even members = ceiling(fixed costs / contribution per member)
Important assumptions
- Retained members are starting members after churn plus new members. This is a planning bridge, not a cohort or retention forecast.
- Professional around 89 plus 2%, Business around 199 plus 1%, and a higher-tier context around 399 plus 0.5% are editable planning defaults to verify.
- Refunds reduce collected revenue before Circle and processor percentage fees. One fixed processor charge is modeled per retained member or paid charge.
- Content, tools, contractors, marketing, and other overhead are separate monthly costs. Each cost should be entered once.
- The tax reserve is cash planning only and applies to positive pre-tax profit. Break-even uses pre-tax contribution per member.
Sources & review
Know what this estimate is built on
Use these official references to locate the policy, plan, or help details behind the editable inputs.
Official references
Use the current terms
These official references are starting points for published policies, pricing, or help. They do not validate every default in this calculator. Rates, plans, eligibility, regions, and account terms can change, so compare the editable fields with your account before relying on the result.
Defaults are editable estimates. Match them to your current account, provider statement, official authority, lender, or adviser before making a pricing or investment decision.
Calculator model reviewed: August 9, 2026. This date covers the page and calculator guidance, not a guarantee that every live platform rate or term was re-audited on that date.
Worked example
A Circle community with 330 modeled members
300 starting members, 30 new members, 4% monthly churn, 39 average monthly revenue, 2% refunds, the Professional planning context, 2.9% plus 0.30 processing, 400 content and tools, 600 contractors, 300 marketing, 200 overhead, 120 hours, and a 20% reserve. Hypothetical planning example only.
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