Gumroad Earnings Calculator

Gumroad charges a flat 10% plus 0.50 per transaction on sales through a creator’s own profile or direct links, and 30% per transaction when a new customer arrives through its Discover marketplace. There is no monthly charge. The tiered structure that once dropped the rate as monthly volume crossed successive thresholds no longer applies; the published rate is flat regardless of volume. Marketplaces operating in the European Union publish how remuneration is determined under the Platform-to-Business Regulation and give advance notice before changing it, so the current published terms rather than a remembered percentage are what apply.

The fixed 0.50 is the part a percentage-only model misses, and it matters most on cheap products. As a share of price it is 10% on a 5 product, 5% on a 10 product, 2.5% on a 20 product, 1% on a 50 product and 0.5% on a 100 product, so the effective platform rate runs from about 20% at the low end down to 10.5% at the high end. Entering that effective rate rather than a bare 10 is what makes the result match a payout. At the loaded 300 sales, the fixed component is 150 a month whatever the price is: entering 12.5% instead of 10% on a 20 product moves net monthly earnings from 5,220 to 5,070.

Discover is the other large swing. A sale routed through the marketplace is charged at 30% rather than 10%, which on the loaded figures is the difference between 5,220 and 4,020 a month, or 1,200 every month. The calculator takes a single blended rate, so a catalogue split between direct and marketplace sales needs a weighted figure rather than either headline number.

A worked example

With the loaded figures, 300 sales at 20 each gives 6,000 of gross revenue. A 10% platform fee and a 3% payment fee come to 13%, or 780, leaving 5,220 a month and 62,640 a year. Net is 87% of gross, which is what a digital product with no unit cost looks like once only fees are taken off.

Adjusting for the fixed per-transaction charge changes it. At the effective 12.5% for a 20 product, fees rise to 930 and net falls to 5,070 a month and 60,840 a year. The 150 a month gap is the 0.50 charged on each of 300 sales.

What moves the number most

Sales volume and average price multiply against each other, so they are interchangeable in the arithmetic. Six hundred sales at 20 and three hundred sales at 40 both return 10,440 a month and 125,280 a year on the same fee rates. One is a distribution problem and the other a pricing problem, and the calculator prices them identically, though a price rise usually costs some conversion while a volume rise does not.

The fee rates move the result far less than either, because they are subtracted rather than multiplied. Each percentage point of combined fee costs 1% of gross, which is 60 a month at the loaded figures. Moving the platform rate from 10 to 8 recovers 120 a month; routing the same sales through Discover at 30% costs 1,200. The payment rate is the smallest lever of the four and also the one least under a seller’s control.

The formula behind this

Gross revenue is sales volume multiplied by average price. Total fees are gross multiplied by the sum of the platform and payment percentages, and net earnings are gross less those fees. The annual figure is twelve times the monthly one, so it reads as a run rate rather than a forecast.

A fixed per-sale charge can be folded in by adding it to the platform percentage as a share of price: a 0.50 charge on a 20 product is 2.5 points, giving 12.5 rather than 10. Payment processing rates vary by country, card type and whether the card is domestic or cross-border, so the payment percentage is worth setting from a recent statement rather than a headline rate quoted for one market.