Gumroad advertises 10% + $0.50 per sale, but that is only its own fee. Direct sales also pay 2.9% + $0.30 for payment processing, sales that come through Gumroad’s Discover marketplace pay a flat 30% instead, and affiliates, installment plans and the way you get paid out each change what reaches your account. The calculator above applies every fee to the amount Gumroad charges it on, rounds the way Gumroad’s own code does, and shows the sales tax Gumroad adds for the buyer separately, because it never touches your fees or payout.
Every Gumroad fee at a glance
These apply to every creator: Gumroad prices products and charges its fees in US dollars wherever you live.
| Fee | Amount | Charged on | When |
|---|---|---|---|
| Gumroad fee (direct sales) | 10% + $0.50 | Price after discounts, incl. tips and shipping (not tax) | Buyer came from your profile, a direct link or your own marketingsource |
| Processing fee | 2.9% + $0.30 | Same amount | Direct sales paid through Gumroad’s checkout (card, PayPal or local method)source |
| Gumroad Discover fee | 30% (processing included) | Same amount | Buyer found you through Gumroad Discoversource |
| High-volume rate | 5% + $0.50 (+ processing) | Same amount | New direct sales after $20,000 of paid sales in a calendar monthsource |
| Connected PayPal / Stripe | 10% + $0.50 or 30% to Gumroad; processor’s own fee on top | Same amount | Sales paid into your own connected accountsource |
| Affiliate or collaborator | Their % of the price, less the same % of fees | Product price (no tax or shipping) | Affiliate 1–75%, Gumroad Affiliate 10%, collaborator up to 50%source |
| Installment plans | Full fees on every payment | Each installment | Buyer pays in installmentssource |
| Bank payout | No fee · $100 minimum | Your balance | Weekly, monthly or quarterly payoutssource |
| PayPal payout | 2% | Amount paid out | Countries without bank payoutssource |
| Instant payout | 3% | Amount paid out (up to $10K) | US creators, on requestsource |
| Sales tax / VAT / GST | Buyer’s local rate, added on top | Paid by the buyer, collected by Gumroad | Wherever Gumroad must collect itsource |
| Refunds | Gumroad fee returned; processing part kept | The refunded amount | Refunded sales through Gumroad’s checkoutsource |
| Free products | No fee | $0 sales | Free or pay-what-you-want at $0source |
Four things catch most creators out:
- Processing comes on top of the 10%. The pricing page shows 10% + $0.50; the help center adds 2.9% + $0.30 for processing on direct sales. A $25 sale costs $4.03 in fees, not $3.00.
- Discover replaces the fees, it doesn’t add to them. A Discover sale pays 30% and nothing else: $7.50 on a $25 product.
- The fixed $0.80 hits cheap products hard. A $1.15 product leaves you $0.20.
- Payouts start at $100. Since March 23, 2026 your balance has to reach $100 before Gumroad pays you, up from $10.
What you keep at common prices
Each row is a direct sale through Gumroad’s checkout, paid out to a bank account.
| Product price | Total fees | Fee rate | You keep |
|---|---|---|---|
| $3.00 | $1.19 | 39.7% | $1.81 |
| $5.00 | $1.45 | 29.0% | $3.55 |
| $10.00 | $2.09 | 20.9% | $7.91 |
| $15.00 | $2.74 | 18.3% | $12.26 |
| $20.00 | $3.38 | 16.9% | $16.62 |
| $25.00 | $4.03 | 16.1% | $20.97 |
| $50.00 | $7.25 | 14.5% | $42.75 |
| $100.00 | $13.70 | 13.7% | $86.30 |
| $250.00 | $33.05 | 13.2% | $216.95 |
The fixed $0.80 is why the rate falls as the price rises: a $5 product gives up 29.0% of the sale, a $250 one 13.2%.
How the fees add up on one order
A $50 product sold directly to a buyer whose country charges 20% VAT:
- Buyer pays in total$60.00
- of which sales tax / VAT (Gumroad collects it) (paid by the buyer)20% × $50.00$10.00
- Sale amount$50.00
- Gumroad fee10% × $50.00 + $0.50−$5.50
- Processing fee2.9% × $50.00 + $0.30−$1.75
- Bank payoutNo fee$0.00
- You keep$42.75
The buyer pays $60.00: your $50 price plus $10.00 of VAT that Gumroad adds at checkout and pays to the tax office. Gumroad’s fee is 10% of $50 plus $0.50, or $5.50, and processing is 2.9% of $50 plus $0.30, or $1.75. Neither is charged on the VAT, so you keep $42.75 whether the buyer pays tax or not. Gumroad adds up the two percentages and rounds once, so each line can be a cent off what you’d get working it out separately; the total is exact.
Discover sales: when Gumroad takes 30%
Gumroad Discover is Gumroad’s own marketplace: its category pages, search and recommendations. When a buyer finds you there, Gumroad charges a flat 30% that already includes processing, with no fixed fee.
| Product price | Total fees | Fee rate | You keep |
|---|---|---|---|
| $3.00 | $0.90 | 30.0% | $2.10 |
| $5.00 | $1.50 | 30.0% | $3.50 |
| $10.00 | $3.00 | 30.0% | $7.00 |
| $25.00 | $7.50 | 30.0% | $17.50 |
| $50.00 | $15.00 | 30.0% | $35.00 |
| $100.00 | $30.00 | 30.0% | $70.00 |
At most prices Discover costs far more: $15.00 on a $50 sale against $7.25 for a direct one. Below $4.65 it is the other way round, because 30% of a small price is less than the fixed $0.80; from $4.72 up, Discover always costs more.
Products are listed on Discover by default once your account qualifies, which takes a $100 balance from genuine sales and a risk review. To keep a product off, delete its category on the product’s Share tab. Products on Discover are also opted into Gumroad Affiliates automatically, so a sale can carry a 10% commission as well; you can opt out for all products in your Affiliates dashboard.
Affiliates, collaborators and high-volume sellers
Gumroad splits its fees with anyone who takes a cut of the sale. An affiliate on 30% of a $100 sale earns $30.00 minus 30% of the $13.70 in fees, or $25.89, and you keep $60.41. Commission is paid on the product price only, never on tax or shipping. Collaborators work the same way with a cut of up to 50%, but shipping stays entirely with you.
Installment plans cost a little more, because every payment is charged the full fees, fixed $0.80 included. A $100 product paid in three installments of $33.34, $33.33 and $33.33 costs $15.30 in fees instead of $13.70.
Once your paid sales in a calendar month reach $20,000, Gumroad says new direct sales that month pay 5% + $0.50 instead of 10% + $0.50, until the 1st of the next month. On a $100 sale that cuts the fees from $13.70 to $8.70. Discover sales stay at 30%, and a refund that takes you back under $20,000 switches it off again. Turn on “over $20,000” under “More options” and check your sales CSV to confirm the rate on your account.
Payouts, refunds and tax
- Payouts. Bank payouts are free once your balance reaches $100 (more in a few countries), converted at the exchange rate on the day of each sale. Where Gumroad can’t pay into a bank it pays through PayPal, in US dollars, for 2%. US creators can take an instant payout for 3%, up to $10K at a time; Gumroad sends your balance divided by 1.03. On a $25 sale those take $0.42 and $0.62.
- Refunds. Gumroad returns its own fee on the refunded amount and keeps only the processing part. With your own connected PayPal or Stripe account, you pay both Gumroad’s and the processor’s fees on a refund.
- Connected accounts. If buyers pay into your own PayPal or Stripe account, Gumroad takes only its 10% + $0.50 (or 30%) and PayPal or Stripe charge their own processing fee; see the PayPal fee calculator and the Stripe fee calculator.
- Tax. Gumroad has been the merchant of record for every sale since January 1, 2025. It adds sales tax, VAT or GST on top of your price, so you can’t sell tax-inclusive. Physical products shipped into the EU are the exception: the buyer pays VAT to customs on arrival instead.
Ways to keep more of each sale
- Send buyers to your own link. A $25 product keeps $20.97 as a direct sale and $17.50 through Discover. Links in your newsletter, posts and website all count as direct.
- Bundle cheap products. One $10 bundle keeps $7.91; two separate $5 sales keep $7.10, because each pays the fixed $0.80.
- Offer installments only where they help. Each extra payment costs another $0.80 in fixed fees.
- Wait for the free payout. Bank payouts cost nothing; instant payouts take 3%.
- Decide on Gumroad Affiliates. Opting out stops the 10% commission on future sales, at the cost of the extra reach affiliates bring.
Recent Gumroad fee changes
- August 18, 2026High-volume discount: once your paid sales in a calendar month reach $20,000, new direct sales that month pay 5% + $0.50 instead of 10% + $0.50 (processing still applies; Discover stays at 30%).source
- July 17, 2026Refunds: Gumroad now states that its own fee on the refunded part of a sale is returned to you; only the payment-processing part is kept (the help center used to say no fees were refunded).source
- March 23, 2026Minimum balance for a payout raised from $10 to $100 (some countries have higher local-currency minimums).source
- January 1, 2025Gumroad became the merchant of record for all sales and moved to today’s fees: 10% + $0.50 plus card processing on direct sales, and a flat 30% (processing included) on sales through Discover.source
- November 29, 2024Instant payouts launched: get paid within minutes for a 3% fee, up to $10K per payout (today US creators only).source
- August 6, 2024Collaborators now share Gumroad’s fees in proportion to their cut (before, the main creator paid all of them).source
We re-check Gumroad’s fee pages every day and update this calculator when they change. If your sales CSV shows something different, use the “Something’s off” button under the result.