Gumroad vs Shopify Fees Calculator

How this Gumroad vs Shopify comparison works

gumroad_fee = sale price × 10% + $0.50 for Direct, or sale price × 30% for Discover
shopify_processing_fee = sale price × selected Shopify Payments online-card rate + $0.30
shopify_subscription_allocation = selected yearly-billed monthly Shopify plan price ÷ monthly orders
shopify_total_platform_cost = shopify_processing_fee + shopify_subscription_allocation
shopify_volume_breakeven = Shopify monthly subscription ÷ (Gumroad per-order cost - Shopify processing fee)
winner = platform with the higher net after platform cost on the same sale

• This page is intentionally U.S.-scoped and USD-only so Gumroad and Shopify can be compared on one public pricing basis.
• Shopify is modeled only with Shopify Payments. If you use a third-party payment provider, your true Shopify cost can be higher because provider fees and extra Shopify transaction fees may both apply.
• The Shopify subscription is spread across the monthly order count you enter because a storefront plan is a fixed monthly cost, not a per-order-only fee.
• The volume-breakeven row is a cost-side threshold. It does not include app-stack cost, paid traffic, or conversion lift from having your own storefront.

Example: the same $25 product at 10 orders vs 100 orders per month

A creator tests one $25 digital product first at low monthly volume and then at higher volume to see when Shopify finally stops looking subscription-heavy.

• At low volume, Gumroad Direct can still look attractive because there is no monthly plan to amortize.
• At higher monthly order counts, Shopify can start winning because the same subscription cost is spread across many more sales.
• If the sale is Gumroad Discover instead of Direct, the break-even can arrive far sooner because the marketplace-discovery fee is much heavier than owned-store processing.
• The monthly platform-cost rows in the breakdown are the fastest way to see whether simplicity is still worth the running cost gap at your current scale.

Before you rely on this result: key assumptions

• This comparison is intentionally U.S.-scoped and USD-only. Shopify is modeled as a U.S. store using Shopify Payments, not a third-party gateway or a non-U.S. card-rate profile.
• The Shopify side uses the public U.S. yearly-billed monthly prices and Shopify Payments online-card rates for Basic, Grow, and Advanced. Regional price variations or monthly billing can change the result.
• Shopify plan cost is allocated across the monthly order count you enter. Without that allocation, comparing a subscription storefront to Gumroad's no-subscription model would be misleading.
• The Gumroad side models the current public Direct fee of 10% + $0.50 and the Discover fee of 30%.
• This page is built for digital products and platform-cost comparison only. It does not model paid traffic, themes, advanced app stacks, chargebacks, affiliate payouts, or currency-conversion costs.
• Shopify does not charge an extra fee just because the product is digital, but digital delivery still needs app support. Basic delivery can be handled with Shopify's free Digital Downloads app, while more advanced setups may add cost or complexity outside this calculator.
• Gumroad's Merchant of Record role and Shopify's merchant-owned store setup affect tax and compliance work, but those operational differences are not converted into dollar fees inside this calculator.

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