Net revenue per Etsy sale.

Etsy charges three fees per sale: a 0.20 listing fee (per listed item for 4 months), a 6.5% transaction fee on sale price plus shipping, and a payment processing fee that varies by country (roughly 4% + 0.20 3% + 0.25). All three stack - a 25 sale with 5 shipping can lose 2.50-3.50 to fees, a 10-12% total take rate.

25 sale + 5 shipping = 30 transaction base. Transaction fee 6.5% = 1.95. Payment fee 4% + 0.20 = 1.40. Listing fee 0.20. Total fees 3.55, net revenue 26.45. Effective take rate 11.8%. Plus product cost and postage actual cost, a typical Etsy seller nets 40-60% of gross sale.

Etsy Ads and Offsite Ads add more. Offsite Ads (Etsy's automatic paid ads on Google/Facebook) charge 12-15% on attributed sales - opt-out is only available for sellers under 10k lifetime. Most successful sellers price products with a 20-25% markup above standard margin targets to absorb all these fees without undercutting themselves.

Run it with sensible defaults

Using sale price of 25, shipping charged of 5, listing fee of 0.2, transaction fee of 6.5%, the calculation works out to 3.55. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Sale Price, Shipping Charged, Listing Fee, Transaction Fee %, and Payment Fee % — do not pull with equal force. Frequency and unit price pull the total in different directions. The biggest surprise for most people is how small recurring amounts compound into large annual figures — that's where this calculation earns its keep.

How the math works

Total fees = listing + (sale+shipping) × transaction % + (sale+shipping) × payment % + fixed payment fee. Net = sale + shipping - fees. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

What the score tells you

Headline financial numbers — income, savings, debt — each tell part of the story. This calculation stitches several together into a single read you can track over time. The value is in the direction, not the absolute number.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.