ToolNestFree Shopify Fee Calculator
Last updated: October 22, 2026
Quick answer: Shopify's price tag is not the plan price — it is the plan price plus a card fee on every single order, and if you take payments through PayPal or Stripe instead of Shopify Payments, a second Shopify fee on top of that. This free Shopify fee calculator stacks the whole 2026 US fee picture on one order — the card processing rate (2.9% + $0.30 on Basic, less on Grow and Advanced), the third-party transaction fee (2% / 1% / 0.6%) when you use another gateway, and the monthly subscription ($39 / $105 / $399) — then subtracts your product and fulfillment cost to show your net profit per order, margin, monthly net, and the break-even order value. It also compares all three plans at your exact numbers, so you can see whether upgrading actually saves money or just costs more. Everything runs in your browser; nothing is uploaded.
US online rates for 2026: Shopify Payments card rates Basic 2.9% + $0.30, Grow 2.7% + $0.30, Advanced 2.5% + $0.30; subscriptions $39 / $105 / $399 per month (yearly billing lowers the subscription — Basic drops to about $29/mo); third-party transaction fees 2% / 1% / 0.6% on top of your gateway's own fees; international cards add 1% on Shopify Payments. In-person (POS) card rates are lower and differ by plan — this tool models online rates. Shopify changes rates from time to time; verify against Shopify's pricing page before repricing a whole store.
✓ Free forever · ✓ No signup · ✓ Tool inputs stay in your browser — never sent to our servers.
How to Use the Shopify Fee Calculator
- Enter your average order value and what each order costs you (product, packaging, and fulfillment) — the calculator needs both, because a fee percentage means nothing without the margin it comes out of.
- Tell it how many orders you do a month. Monthly math is where plans separate: a plan that looks expensive per order can still win on subscription alone at low volume, and vice versa.
- Pick your Shopify plan and your payment path. Shopify Payments means no Shopify transaction fee; a third-party gateway means Shopify adds 2% (Basic), 1% (Grow), or 0.6% (Advanced) on top of whatever that gateway charges — so fill in your gateway's rate too.
- Tick the international-cards box if a meaningful share of your orders comes from cards issued outside the US — Shopify Payments adds 1% on those.
- Press Calculate Shopify fees. Read the per-order line first, then the monthly line, then the plan-comparison table: the cheapest plan at your volume is highlighted by the numbers, not by marketing.
Why Use Our Shopify Fee Calculator?
- Full 2026 US fee stack — card rate, third-party transaction fee, and monthly subscription on one page, so the number you price from is the whole cost, not one line of it.
- Three-plan comparison at your numbers — Basic, Grow, and Advanced side by side on fee per order, monthly fees including subscription, and monthly net, so the upgrade question answers itself.
- Break-even order value — the tool solves backwards from your costs through the fee stack to the order value where profit hits zero, so you know your floor price.
- Third-party gateway math — enter your gateway's own rate and fixed fee and see the double charge (gateway + Shopify surcharge) that single-rate calculators hide.
- Upgrade thresholds — the monthly sales volume at which each upgrade's lower rate finally covers its higher subscription (Basic to Grow: $33,000/mo on Shopify Payments).
- 100% in your browser — your prices, costs, and volumes never leave your browser; no signup, no account.
Common Use Cases
- Pricing your first product: You make candles for $12 all-in and wonder whether $28 is a fair price. On Basic with Shopify Payments, a $28 order costs $1.11 in fees and leaves $14.89 profit (53% margin); the break-even line says any order under $12.67 loses money. That floor, not a competitor's price, is what your pricing should start from.
- Deciding Shopify Payments vs PayPal at checkout: Your customers keep asking for PayPal. Run the same $60 order both ways on Basic: Shopify Payments costs $2.04; PayPal as gateway costs $2.58 to PayPal (3.49% + $0.49) plus $1.20 to Shopify — $3.78 in total. Now you know exactly what offering PayPal costs per order, and can decide whether the conversion lift is worth it.
- Settling the upgrade argument with real numbers: Your store does $20,000/mo and your partner wants Grow 'for the lower rate'. The comparison table shows Grow saving $40/mo in card fees while costing $66/mo more in subscription — a net loss of $26/mo. The threshold line says the upgrade pays at $33,000/mo, so the decision becomes 'revisit at $33k', not a hunch.
- Monthly P&L check for a growing store: At 400 orders/mo averaging $45 on Basic, the calculator shows the fee line in one view (card fees $642 + $39 subscription = $681; net after $20/order costs = $9,319). Run it on the first of the month with last month's real average and volume, and the fee line of your P&L stops being a surprise.
Shopify Fee Calculator vs Alternatives
- Shopify's own pricing page: The authoritative rate card — every plan's card rate, transaction fee, and subscription in one table. What it cannot do is turn those rates into your profit: no cost inputs, no per-order net, no plan comparison at your volume. Use it to verify rates, use this page to price from them.
- Thin single-plan fee calculators: Most Shopify fee tools ask for one order value and show one fee — usually for Basic only, and usually ignoring the subscription entirely. They are fine for a one-off 'what does Shopify take from $100' answer, but they cannot tell you whether Grow beats Basic at your volume, which is the question that actually moves money.
- A spreadsheet you build yourself: The most flexible option — multi-product margins, discount codes, app costs, returns, all yours. The cost is building it and keeping the rates current, and most store owners never do. Use this calculator for the fast answer in the pricing moment; keep the spreadsheet for the full monthly P&L if you already have one.
- Stripe or PayPal fee calculators: Accurate for the gateway half of the bill and nothing else: they show what Stripe or PayPal takes, but not Shopify's transaction fee on top of it. If you take payments through a third-party gateway, a gateway-only calculator understates your real fee by 2% of every order on Basic — use this page for the combined figure.
Bottom line: Shopify's pricing page tells you the rates, and gateway calculators tell you half the bill. For the number that decides your prices — total fees per order, net profit, and which plan is cheapest at your actual volume — this page gives you all three in one calculation, free and privately.
Frequently Asked Questions
How much does Shopify take per sale?
On the Basic plan with Shopify Payments, a $100 online order costs $3.20 in card fees (2.9% + $0.30), so you keep $96.80 before your own product and fulfillment costs. On Grow the same order costs $3.00, on Advanced $2.80. If you use a third-party gateway instead, Shopify adds a transaction fee on top — 2% on Basic, 1% on Grow, 0.6% on Advanced — so that $100 Basic order through PayPal costs $3.20 to the gateway plus $2.00 to Shopify, $5.20 in total.
Does Shopify charge a transaction fee if I use Shopify Payments?
No. That is the whole point of Shopify Payments: the transaction fee is 0% on every plan, and you pay only the card processing rate. The transaction fee exists only to nudge you toward Shopify Payments — it is charged when you take payments through a provider other than Shopify Payments, and it is charged on top of whatever that provider charges you.
What are Shopify's fees for PayPal or Stripe as the gateway?
PayPal and Stripe both count as third-party gateways, so Shopify adds its transaction fee (Basic 2%, Grow 1%, Advanced 0.6%) on top of the gateway's own rate — PayPal's standard rate is 3.49% + $0.49, Stripe's is 2.9% + $0.30. A $50 order on Basic through Stripe therefore costs $1.75 to Stripe plus $1.00 to Shopify. Enter your gateway's rate in this calculator and it shows the combined figure, which is the number that actually leaves your revenue.
When is upgrading from Basic to Grow worth it?
On fees alone, when your monthly online sales pass about $33,000. Grow's card rate is 0.2 percentage points lower than Basic's, which saves $0.002 per dollar of sales; Grow's subscription costs $66 more per month ($105 vs $39), and $66 ÷ 0.002 = $33,000. Below that volume Basic is cheaper despite the higher rate; above it, Grow wins. The same math puts Grow to Advanced at about $147,000/mo ($294 ÷ 0.002). Upgrade earlier only if you need Grow's features (more staff accounts, better reports) — the fee saving alone does not justify it.
Do international cards cost more on Shopify?
Yes, on Shopify Payments there is an additional 1% fee for cards issued outside the US (and a 1% fee applies to some other cross-border cases). If a quarter of your orders are international, that adds 0.25% to your blended fee rate — small on one order, material across a month. Tick the international box in the calculator to include it; if you use a third-party gateway, your gateway's own international rates apply instead.
Is Shopify cheaper than Etsy or eBay per sale?
Per sale, yes — Shopify's card fee is around 3%, while Etsy takes roughly 10% or more once listing, transaction, and payment fees stack (see our Etsy fee calculator), and eBay takes about 13.6% + $0.40 in most categories. The catch is that Shopify charges a monthly subscription and brings you no traffic: marketplaces charge more per sale but hand you buyers. Shopify wins when you can drive your own traffic at a cost below that fee gap; it loses when you cannot.
Does this calculator cover in-person (POS) sales?
No — it models online card rates, which is where most stores' volume sits. In-person Shopify Payments rates are lower than online rates and differ by plan, and POS hardware and staff-account rules add their own wrinkles. If most of your revenue is counter sales, use Shopify's pricing page for the POS column and treat this calculator's online figure as an upper bound on your fee rate.