Ko-fi Fee Calculator
Ko-fi fees depend on the payment type and account mode. Compare Free, Standard or Contributor, and Gold, then keep Ko-fi's service fee separate from the PayPal or Stripe processing estimate. Payments go directly to your connected account, and you remain responsible for taxes, refunds, and current terms.
Best for
Make the next pricing or planning decision with context
Estimate what Ko-fi keeps from each sale before you set a price or list a product. It covers Separate Ko-fi service fees, PayPal or Stripe processing, currency costs, Gold overhead, and creator payout for tips, memberships, shops, and commissions.
Instant calculations · Editable fee assumptions · Export-ready results
Inputs
Values update results instantly. Adjust fee assumptions to match your seller dashboard.
Your figures are saved in this browser on this device.
Payment
Free accounts have a researched 0% service-fee exception for one-off tips and Goals; paid features use the editable default in other modes.
One supporter payment before service, processor, currency, and Gold allocation costs.
Account
Free is $0 monthly, Standard or Contributor starts with a 5% service-fee scenario, and Gold starts with 0% service fee plus monthly cost.
Monthly context
Used to show the monthly Gold cost and monthly payout context.
Ko-fi service fee
Turn on to replace the account and payment-type default with your own current rate.
Editable override. Defaults to 5% so the field is ready for paid-feature or Standard scenarios.
Payment processing
Around 3% is a starting estimate only. Your connected processor, country, card, and account determine the actual rate.
A $0.30 estimate per payment. Replace it with your PayPal or Stripe statement.
Optional costs
Optional allowance for cross-border conversion. It is separate from Ko-fi's service fee.
Gold cost
$12 is a researched starting assumption. Annual pricing is uncertain, so use your current account amount.
Results
Live estimates based on your inputs and editable fee assumptions.
Gross payment
$25.00
Ko-fi service fee
$0.00
Ko-fi fee only, excluding PayPal or Stripe processing.
Processor fee estimate
$1.05
PayPal or Stripe estimate shown separately.
Currency conversion allowance
$0.00
Gold cost per payment
$0.00
Monthly Gold cost spread across expected monthly payments.
Estimated net payout
$23.95
Effective deduction rate
4.2%
Monthly Gold cost
$0.00
Estimated monthly net payout
$958.00
What this means
One-off tip or Goal under Free leaves 23.95 per payment after Ko-fi service, processor, currency, and Gold assumptions. Payments go directly to your connected account.
Ko-fi payment cost breakdown
Interactive breakdown of fees, costs, and remaining profit.
Distribution
- Processor estimate$1.054.2%
- Net payout$23.9595.8%
Total $25.00 · 2 segments · interactive
Line-item breakdown
Dollar amounts, share of revenue, and visual proportion.
- Gross payment
- $25.00
- Ko-fi service fee
- $0.00
- Processor fee estimate
- $1.05
- Currency conversion allowance
- $0.00
- Gold cost per payment
- $0.00
- Estimated net payout
- $23.95
- Estimated monthly net payout
- $958.00
- Effective deduction rate
- 4.2%
Assumptions used
- • One-off tip or Goal on Free uses a 0.0% Ko-fi service-fee scenario.
- • Processor estimate 3.0% + 0.30 fixed per payment.
- • Currency allowance 0.0%; Gold monthly cost 0.00.
- • 40 monthly payments produce 958.00 estimated monthly net before taxes.
- • Ko-fi direct payouts do not remove creator tax and refund responsibilities.
Your next best moves
Use your Ko-fi Fees result to make the next decision. These Ko-fi tools follow the same cost and pricing thread.
Keep the decision moving with the free Etsy Seller Toolkit
Download a practical checklist for pricing, hidden cost leaks, and healthier profit decisions alongside this result.
More Ko-fi calculators and guides are in the category hub.
Explore Ko-fiKo-fi Fee Calculator
Generated 9/10/2026, 8:39:10 PM · Currency USD
Inputs
- Payment type: oneOff
- Ko-fi account mode: free
- Gross payment: 25
- Expected monthly payments: 40
- Use custom Ko-fi service fee: false
- Ko-fi service fee override (%): 5
- PayPal or Stripe processing (%): 3
- Processor fixed fee: 0.3
- Currency conversion allowance (%): 0
- Gold monthly cost: 12
Results
- Gross payment: $25.00
- Ko-fi service fee: $0.00
- Processor fee estimate: $1.05
- Currency conversion allowance: $0.00
- Gold cost per payment: $0.00
- Estimated net payout: $23.95
- Estimated monthly net payout: $958.00
- Effective deduction rate: 4.2%
Interpretation
One-off tip or Goal under Free leaves 23.95 per payment after Ko-fi service, processor, currency, and Gold assumptions. Payments go directly to your connected account.
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
- 1Choose the payment type and account mode.
- 2Apply the account and payment-type service-fee default unless the custom override is on.
- 3Calculate processor and currency allowances from gross payment.
- 4Allocate Gold's monthly cost across expected monthly payments when Gold is selected.
- 5Subtract each visible cost from gross payment and compare the result with gross to show the effective deduction rate.
Formulas
- Ko-fi service fee = gross × service fee %
- Processor estimate = gross × processor % + fixed fee
- Currency allowance = gross × conversion %
- Gold cost per payment = monthly Gold cost ÷ monthly payments
- Net payout = gross − Ko-fi fee − processor − currency allowance − Gold allocation
- Effective deduction rate = all visible per-payment deductions ÷ gross × 100
Important assumptions
- Free starts at 0% service fee for one-off tips or Goals and 5% for monthly tips, memberships, Shop, and Commissions. Standard or Contributor starts at 5% across the selected payment types. Gold starts at 0% service fee.
- Gold monthly cost starts at $12. Annual Gold pricing is uncertain or legacy, so this calculator does not present an annual price as guaranteed.
- PayPal or Stripe processing starts at 3% plus $0.30 per payment. This is a processor estimate, not a Ko-fi fee, and every processor and region can differ.
- Payments go directly to the creator's PayPal or Stripe account. Ko-fi is not the merchant of record, and creators handle taxes, refunds, and customer obligations.
- All rates, the Gold cost, and the monthly payment volume are editable planning assumptions. Verify current terms in your Ko-fi and processor accounts.
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
$25 Free one-off tip
A Free account receives a $25 one-off tip or Goal. The model uses the 0% Free exception, 3% plus $0.30 processor estimate, no currency conversion, and 40 monthly payments for context.
FAQ
Common questions
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