GROSS - CUT - NET
Platform Fees Calculator: Gross, Platform Cut, Processing, and Your Net
Most creators know their gross and their bank deposit, but not what happened in between. Earnly works as a platform fees calculator for every source, breaking each payout into gross, platform cut, processing, and net, and flagging fee leakage.
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Fees
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Next month Estimate
Payout calendar
Sample data for illustration
In short
A platform fees calculator shows how much of each sale a platform actually keeps, breaking gross down into the platform cut, payment processing, and your net. Earnly runs this breakdown for every source on your board using each platform's published schedule: Etsy's $0.20 listing fee plus 6.5% transaction fee plus roughly 3% and $0.25 processing, Gumroad's 10% plus $0.50 per transaction, Patreon's flat 10% for creators who joined after August 2025 plus processing, Twitch's standard 50/50 sub split, PayPal's roughly 3.49% plus $0.49, Stripe's 2.9% plus $0.30. It also flags fee leakage, like Etsy Offsite Ads quietly taking 12 to 15% of some orders, so a fee change shows up as a flagged jump instead of a mystery. The waterfall feeds your revenue dashboard and the income report generator, so net is the number you see everywhere. Fee schedules change and vary by country, so every figure is an estimate as published; confirm against your platform statements. Earnly is an informational analytics tool and does not provide accounting or tax advice.
Why it matters
What this line of the statement buys you
The waterfall, per platform
Every source shows gross, platform cut, processing, and net as a clear chain, so you know exactly where each dollar went.
Fee leakage gets flagged
When Offsite Ads, currency conversion, or a schedule change eats more than usual, Earnly flags the jump instead of burying it.
Published rates, applied
Breakdowns use each platform's published fee schedule, as published, so the math is transparent and checkable.
Compare sources honestly
Seeing net side by side shows which platform actually pays best for you, not which one has the biggest gross.
How you use it
From connected to answered
Open any source
Pick a platform from your board to see its fee waterfall for any period.
Read gross to net
Follow the chain: gross, platform cut, processing, net, with each step in dollars and percent.
Review flagged leakage
Check anything Earnly flagged, like an Offsite Ads hit or a fee rate that moved.
Confirm against statements
Figures are estimates from published schedules, so verify anything surprising against the platform's own statement.
It works the same for every kind of seller: see it in action for freelancers, amazon sellers, youtubers or check the income tracker pricing.
Questions people actually ask
How do I calculate platform fees?
Work down in the same order the platform does. Start from gross, subtract the platform commission, subtract payment processing, then subtract anything conditional such as an ads or discovery fee. The order matters because percentage fees usually apply to the full sale price rather than to what is left after the previous deduction. A $100 Etsy sale runs $0.20 listing, 6.5% transaction, and roughly 3% plus $0.25 processing, which is why the deposit is nearer $90 than $100.
Why is my payout less than my sales?
Because the platform takes its cut before the money ever moves, so your bank only ever sees the net. Three things usually explain a bigger gap than expected: a conditional fee such as Etsy Offsite Ads at 12% or 15%, a payment processor fee charged separately from the platform commission, or refunds and chargebacks netted against the same payout. A per-source waterfall shows which of the three it was.
What fees does Etsy take from each sale?
As published in August 2026: $0.20 to list the item, a 6.5% transaction fee on the total including shipping, and payment processing of roughly 3% plus $0.25 for US sellers. Offsite Ads adds 12% or 15% on orders that came through an Etsy-purchased ad, and that one is the surprise for most sellers because it applies only to some orders. Rates change, so check the current schedule against your own statements.
How much does PayPal take from a payment?
It depends on how the buyer paid. A PayPal Checkout button or a PayPal invoice costs 3.49% plus $0.49, while a plain Send and Receive Money for Goods and Services transfer is listed at 2.99% with no fixed fee, and a card payment is 2.99% plus $0.49. Stripe sits at roughly 2.9% plus $0.30. The fixed portion matters more than the percentage on small amounts: on a $5 payment through Checkout, PayPal keeps close to 13% once the $0.49 is counted. Our PayPal fee calculator works out any of these rates against a specific amount, including the Instant Transfer cost of cashing the balance out.
What is the difference between gross and net revenue?
Gross is what the buyer paid. Net is what reached your bank after the platform commission, processing, and any conditional fees. Both matter for different reasons: gross is generally what belongs on a US tax return, with the fees deducted as business expenses, while net is the number you actually live on. Reporting only the net understates both income and expenses. See the platform fee comparison for rates side by side.