Ko-fi Profit Calculator
Turn an average Ko-fi payment and monthly volume into a creator-profit view. Separate Ko-fi service fees from PayPal or Stripe processing, then add product or delivery costs, Gold, marketing, other operating costs, and an optional refund reserve. The result is before taxes because Ko-fi does not file or remit creator taxes for you.
Best for
Make the next pricing or planning decision with context
Compare what remains from your Ko-fi sales after the costs and fees you enter, then test a conservative and target scenario. It covers monthly Ko-fi creator profit after service fees, processor costs, Gold, delivery, marketing, reserves, and operating expenses.
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.
Revenue
Average gross tip, membership charge, Shop sale, or commission payment.
Expected completed payments, members, or supporters in the month.
Account
Free, Standard or Contributor, and Gold use different starting service-fee assumptions.
Ko-fi fee
Editable override when your current account terms differ from the starting model.
Processor
Processor estimate only, separate from Ko-fi's service fee.
Optional costs
Plan cost
$12 is an editable starting assumption. Annual pricing is not treated as guaranteed.
Delivery costs
Item, license, content, or creation cost per sale or commission.
Operating costs
Software, contractors, support, or other creator costs.
Reserves
Optional planning reserve. Ko-fi and processor refund treatment can vary.
Results
Live estimates based on your inputs and editable fee assumptions.
Monthly gross revenue
$1,080.00
Ko-fi service fees
$0.54
Processor fees
$50.40
Currency allowance
$0.00
Product and fulfillment costs
$120.00
Gold monthly cost
$0.00
Marketing and other costs
$225.00
Refund reserve
$21.60
Estimated net profit
$662.46
Profit margin
Excellent61.3%
Profit per payment
$11.04
Break-even payments
16
Gold break-even payments
1,334
Payments needed for modeled Ko-fi service-fee savings to cover the editable Gold monthly cost. Processor costs and other plan differences are excluded.
What this means
60 one-off tips or goals at 18.00 average produce 662.46 estimated monthly profit before taxes. Gold's monthly cost is excluded from current profit; Ko-fi service fees and processor costs are shown separately. The separate Gold comparison uses the editable 12.00 monthly cost and Ko-fi service-fee savings only, reaching break-even at 1334 payments.
Ko-fi monthly creator profit breakdown
Interactive breakdown of fees, costs, and remaining profit.
Distribution
- Ko-fi service fees$0.540.1%
- Processor fees$50.404.7%
- Product and fulfillment$120.0011.1%
- Operating costs$225.0020.8%
- Refund reserve$21.602.0%
- Net profit$662.4661.3%
Total $1,080.00 · 6 segments · interactive
Line-item breakdown
Dollar amounts, share of revenue, and visual proportion.
- Monthly gross revenue
- $1,080.00
- Ko-fi service fees
- $0.54
- Processor fees
- $50.40
- Currency allowance
- $0.00
- Product and fulfillment
- $120.00
- Gold monthly cost
- $0.00
- Marketing and other costs
- $225.00
- Refund reserve
- $21.60
- Estimated net profit
- $662.46
- Profit margin
- 61.3%
- Break-even payments
- 16
- Gold break-even payments
- 1,334
Assumptions used
- • 60 monthly one-off tips or goals × 18.00 = 1080.00 gross.
- • Ko-fi service 0.1%, processor 3.0% + 0.30 fixed, currency 0.0%.
- • Delivery 120.00, Gold 0.00, refund reserve 21.60, operating 225.00.
- • Profit is 61.3% before taxes; taxes are creator responsibilities.
- • The editable Gold monthly cost is 12.00; service-fee savings are 0.01 per payment, so break-even is 1334 payments. Processor costs and other plan differences are excluded.
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Explore Ko-fiKo-fi Profit Calculator
Generated 9/11/2026, 3:27:39 AM · Currency USD
Inputs
- Payment type: oneOff
- Ko-fi account mode: standard
- Average payment: 18
- Payments or supporters per month: 60
- Use custom Ko-fi service fee: false
- Ko-fi service fee override (%): 5
- PayPal or Stripe processing (%): 3
- Processor fixed fee per payment: 0.3
- Currency conversion allowance (%): 0
- Gold monthly cost: 12
- Product cost per payment: 2
- Shipping or fulfillment per payment: 0
- Marketing per month: 150
- Other operating costs per month: 75
- Refund reserve (%): 2
Results
- Monthly gross revenue: $1,080.00
- Ko-fi service fees: $0.54
- Processor fees: $50.40
- Currency allowance: $0.00
- Product and fulfillment: $120.00
- Gold monthly cost: $0.00
- Marketing and other costs: $225.00
- Refund reserve: $21.60
- Estimated net profit: $662.46
- Profit margin: 61.3%
- Break-even payments: 16
- Gold break-even payments: 1,334
Interpretation
60 one-off tips or goals at 18.00 average produce 662.46 estimated monthly profit before taxes. Gold's monthly cost is excluded from current profit; Ko-fi service fees and processor costs are shown separately. The separate Gold comparison uses the editable 12.00 monthly cost and Ko-fi service-fee savings only, reaching break-even at 1334 payments.
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
- 1Calculate monthly gross revenue from average payment and monthly volume.
- 2Apply the selected account and payment-type service fee, then separate processor and currency allowances.
- 3Subtract product, fulfillment, Gold, refund reserve, and operating costs.
- 4Calculate margin, profit per payment, and the payment volume needed to cover fixed monthly costs.
- 5Use the editable Gold monthly cost as a hypothetical target for non-Gold modes, then divide it by Ko-fi service-fee savings per payment only. Gold selected or 0% savings returns zero.
Formulas
- Monthly gross = average payment × monthly payments
- Ko-fi fee = gross × service fee %
- Processor = gross × processor % + fixed processor fee × payments
- Net profit = gross − Ko-fi − processor − currency − delivery − Gold − reserves − operating costs
- Break-even payments = monthly fixed costs ÷ positive contribution per payment
- Gold break-even payments = hypothetical Gold monthly cost ÷ [average payment × (selected Ko-fi service fee − Gold's 0% fee)], rounded up
Important assumptions
- Free one-off tips or Goals start at 0% service fee. Free paid features and Standard or Contributor start at 5%, while Gold starts at 0% plus monthly Gold cost.
- Processor starts at 3% plus $0.30 per payment and remains separate from Ko-fi service fees. Replace it with your own processor statement.
- Gold break-even payments use the editable Gold monthly cost as a hypothetical comparison when the selected mode is Free or Standard/Contributor. They divide that cost by modeled Ko-fi service-fee savings only, using Gold's 0% service fee. Processor costs, taxes, refunds, and other plan differences are excluded. Gold selected or a current service fee of 0% returns zero.
- Profit includes product, fulfillment, marketing, other operating costs, and an optional refund reserve. Taxes are not calculated and remain the creator's responsibility.
- Ko-fi is not the merchant of record. The creator handles tax compliance, refunds, support, and 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
60 Standard payments at $18
A Standard or Contributor account receives 60 monthly payments averaging $18. The model uses 5% Ko-fi service fee, 3% plus $0.30 processor estimate, $2 product cost, $150 marketing, $75 other costs, and 2% refund reserve.
FAQ
Common questions
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