Ko-fi Pricing Calculator
Set the net amount or margin you want from a Ko-fi payment, then work backward through the selected account mode, PayPal or Stripe estimate, currency allowance, product and shipping costs, and allocated Gold cost. Every material assumption is visible because Ko-fi terms and processor charges vary.
Best for
Make the next pricing or planning decision with context
Set a price for your Ko-fi offer that covers the costs in this model and supports the target contribution you need. It covers Find a Ko-fi tip, membership, shop, or commission price that reaches a target net or margin after visible creator costs.
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.
Offer
Account
Free one-off tips or Goals start at 0% service fee; Free paid features and Standard or Contributor start at 5%; Gold starts at 0% plus monthly cost.
Scenario
Price to compare with the calculated targets.
Goals
Amount you want to keep after visible fees and creator costs.
Net after all modeled deductions as a share of the listed price.
Volume
Used to spread Gold's monthly cost across payments.
Ko-fi fee
Turn on to override the account and payment-type starting rate.
Editable override, not an automatic guarantee of your account terms.
Processor
Around 3% is a starting estimate. Replace it with your processor terms.
Starting estimate per payment.
Optional costs
Creator costs
Creation, license, digital delivery, or item cost per payment.
Shipping, packaging, or fulfillment you cover per payment.
Gold cost
$12 is an editable starting assumption. Annual pricing is not treated as guaranteed.
Results
Live estimates based on your inputs and editable fee assumptions.
Price for target net
$22.99
Price for target margin
$10.45
Recommended planning price
$22.99
Estimated net at test price
$21.95
Margin at test price
87.8%
Gold cost per payment
$0.00
Total deduction rate
12.2%
Goal status
Both goals are feasible under the One-off tip or Goal model.
What this means
A planning price near 22.99 leaves about 20.00 net for this one-off tip or goal scenario.
Ko-fi planning price build-up
Interactive breakdown of fees, costs, and remaining profit.
Distribution
- Processor estimate$0.994.3%
- Product and shipping$2.008.7%
- Creator net$20.0087.0%
Total $22.99 · 3 segments · interactive
Line-item breakdown
Dollar amounts, share of revenue, and visual proportion.
- Price for target net
- $22.99
- Price for target margin
- $10.45
- Recommended planning price
- $22.99
- Estimated net at test price
- $21.95
- Gold cost per payment
- $0.00
- Total deduction rate at test price
- 12.2%
Assumptions used
- • One-off tip or Goal on free uses a 0.0% Ko-fi service-fee scenario.
- • Variable percentage fees total 3.0%; fixed creator costs total 2.30 per payment.
- • Gold allocation is 0.00 across 40 expected payments.
- • Target net 20.00 and target margin 75.0%.
- • Results are planning prices; confirm Ko-fi and processor terms before publishing.
Your next best moves
Use your Ko-fi Pricing 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 Pricing Calculator
Generated 9/10/2026, 1:20:39 AM · Currency USD
Inputs
- Payment type: oneOff
- Ko-fi account mode: free
- Current or test price: 25
- Target net per payment: 20
- Target net margin (%): 75
- 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
- Product or delivery cost: 2
- Shipping or fulfillment cost: 0
- Gold monthly cost: 12
Results
- Price for target net: $22.99
- Price for target margin: $10.45
- Recommended planning price: $22.99
- Estimated net at test price: $21.95
- Gold cost per payment: $0.00
- Total deduction rate at test price: 12.2%
Interpretation
A planning price near 22.99 leaves about 20.00 net for this one-off tip or goal scenario.
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.
- 2Calculate the effective service, processor, currency, product, shipping, and Gold costs.
- 3Solve separately for target net and target margin using the visible deductions.
- 4Recommend the higher feasible target price and test the current price against the same model.
- 5Show a clear status when fee rates or the target margin make a finite solution impossible.
Formulas
- Variable fee rate = Ko-fi service % + processor % + currency allowance %
- Gold allocation = Gold monthly cost ÷ expected monthly payments
- Price for target net = (target net + processor fixed + product + shipping + Gold allocation) ÷ (1 − variable fee rate)
- Price for target margin = fixed costs ÷ (1 − variable fee rate − target margin)
- Net at test price = test price − percentage fees − processor fixed − product − shipping − Gold allocation
- Recommended price = higher of the two target prices when both are feasible
Important assumptions
- Free one-off tips or Goals start at 0% service fee, Free paid features and Standard or Contributor use a 5% starting scenario, and Gold uses 0% service fee plus monthly cost.
- PayPal or Stripe processing starts at 3% plus $0.30 per payment. It remains separate from Ko-fi's service fee and is editable.
- Gold cost is allocated only when Gold is selected and expected monthly payments are above zero. With zero volume, allocation is shown as zero for a per-payment illustration and the monthly cost remains visible in the assumptions.
- Target margin is measured against listed price. An impossible margin target returns a safe zero and a review status instead of Infinity.
- Ko-fi pays creators directly and does not remove their responsibility for taxes, refunds, or customer obligations.
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
$20 net target for a Free one-off tip
A $20 net target uses a Free one-off tip or Goal, 3% plus $0.30 processor estimate, no currency conversion, $2 product cost, no shipping, and 40 expected monthly payments.
FAQ
Common questions
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