--- title: "Kofi Fee Calculator" description: "Updated for 2026 Ko-fi Fee Structure Calculate your exact Ko-fi platform fees, Stripe & PayPal processing rates, and net take-home earnings across Donations, Memberships, Shop Sales, and Commissions. Income & Payment Details Currency πŸ‡ΊπŸ‡Έ USD…" date: 2025-05-27T21:56:51+05:30 lastmod: 2026-09-22T12:44:21+05:30 author: "Soubhagya Sahu" url: "https://notiontour.com/kofi-fee-calculator" markdown_url: "https://notiontour.com/kofi-fee-calculator.md" type: "page" --- # Kofi Fee Calculator Updated for 2026 Ko-fi Fee Structure Calculate your exact Ko-fi platform fees, Stripe & PayPal processing rates, and net take-home earnings across Donations, Memberships, Shop Sales, and Commissions. ## Income & Payment Details Currency πŸ‡ΊπŸ‡Έ USD ($) πŸ‡¬πŸ‡§ GBP (Β£) πŸ‡ͺπŸ‡Ί EUR (€) πŸ‡¨πŸ‡¦ CAD (CA$) πŸ‡¦πŸ‡Ί AUD (A$) Payment Processor ? Stripe (2.9% + $0.30) PayPal (2.9% + $0.30) PayPal Micropayments (5% + $0.05) Stripe UK / EU (1.5% + Β£0.20 / €0.25) Income / Payment Type ? β˜• One-time Tip / Donation (0% Ko-fi fee on Free) πŸ›οΈ Ko-fi Shop / Digital Product (5% Ko-fi fee) πŸ’Ž Monthly Membership Tier (5% Ko-fi fee) 🎨 Custom Commission (5% Ko-fi fee) Your Ko-fi Plan ** Ko-fi Free 0% Tips / 5% Other Contributor 5% on Everything Ko-fi Gold $12/mo β€’ 0% Fees Payment Amount / Item Price Amount paid by supporter $ $3 (1 coffee) $5 $15 $30 $50 $100 Monthly Orders / Tips Supporters / mo Unit Expense Optional / item $ ⚑ Direct Payouts β€” 0% Ko-fi Holding Time Net Take-Home (Per Payment) $14.26 95.1% Margin Monthly Revenue $375.00 25 payments / mo Total Fees (Per Sale) $0.74 4.9% effective Monthly Net Profit $356.50 ~$4,278 / year Revenue Distribution 100% Total Net Take-Home Ko-fi Fee Processor (Stripe/PayPal) Unit Expense Per-Transaction Fee Breakdown Payment Amount $15.00 Ko-fi Platform Fee (5%) -$0.75 Processor Fee (Stripe 2.9% + $0.30) -$0.74 Unit Expense / Cost -$0.00 Total Deductions -$0.74 Estimated Net (Per Payment) $14.26 Plan Comparison at Current Monthly Volume Ko-fi Free $0/mo $356.50/mo $18.50 in total fees Contributor 5% Flat $337.75/mo $37.25 in total fees Ko-fi Gold $12/mo (0% fee) $344.50/mo $18.50 proc + $12 plan πŸ’‘ Recommendation: At your current volume, Ko-fi Free yields the highest net take-home earnings. Copy Fee Calculation Summary ## How Ko-fi Fees Work in 2026 Ko-fi is one of the most creator-friendly monetization platforms, letting artists, writers, streamers, and developers receive direct tips, sell digital and physical products, offer monthly membership tiers, and accept custom commissions. β˜• ### 0% Fee on Donations On the Free plan, Ko-fi takes 0% platform fee** on one-time tips and donations. You only pay standard payment processing fees from Stripe or PayPal. πŸ›οΈ ### 5% on Shop & Memberships For commercial features like the Ko-fi Shop, monthly Membership Tiers, and Commissions, Ko-fi applies a competitive **5% platform fee** on the Free tier. ⭐ ### Ko-fi Gold ($12/mo) Upgrading to Ko-fi Gold ($12/month) eliminates the 5% platform fee completely (**0% platform fee** across all income), adds custom domain support, supporter-only posts, and removes Ko-fi branding. ⚑ ### Instant Direct Payouts Unlike traditional platforms that hold your revenue for 14-30 days, Ko-fi routes payments instantly and directly into your connected Stripe or PayPal account. ### Ko-fi Fee Comparison by Feature & Plan | Income Stream | Ko-fi Free Plan | Contributor Tier | Ko-fi Gold ($12/mo) | | --- | --- | --- | --- | | **One-time Tips & Donations** | 0% Fee | 5% Fee | 0% Fee | | **Monthly Membership Tiers** | 5% Fee | 5% Fee | 0% Fee | | **Ko-fi Shop (Digital/Physical)** | 5% Fee | 5% Fee | 0% Fee | | **Custom Commissions** | 5% Fee | 5% Fee | 0% Fee | | **Crowdfunding Goals** | 5% Fee | 5% Fee | 0% Fee | | **Payment Processing** | Stripe / PayPal standard | Stripe / PayPal standard | Stripe / PayPal standard | ### When Is Ko-fi Gold Worth It? * **The $240/month Threshold:** If you generate more than **$240 per month** in non-tip revenue (Shop sales, Memberships, or Commissions), the 5% platform fee exceeds $12/month. At that point, upgrading to Ko-fi Gold actually saves you money! * **High Volume of Small Tips:** If most of your income comes from $3-$5 one-time coffee donations, stick with **Ko-fi Free** to enjoy 0% platform fees forever. * **Use PayPal Micropayments for $3 Tips:** If your supporters mostly send $2-$5 tips, setting up PayPal Micropayments (5% + $0.05) reduces processor fees compared to standard rates (2.9% + $0.30). ### Frequently Asked Questions #### Does Ko-fi take a cut of my tips? No. On the standard Free plan, Ko-fi takes 0% platform fees on one-time tips and donations. You only pay standard Stripe/PayPal payment processor fees. #### How does Ko-fi pay creators? Ko-fi does not hold your funds. Every transaction is deposited directly into your connected Stripe or PayPal account the moment a supporter makes a payment. #### Can I use both Stripe and PayPal on Ko-fi? Yes! You can connect both Stripe (for credit cards, Apple Pay, Google Pay) and PayPal, giving your supporters full flexibility at checkout. #### Does Ko-fi handle sales tax or EU VAT? Unlike Merchant of Record platforms, Ko-fi provides sales tax calculation tools for Stripe users, but the creator is responsible for collecting and remitting applicable local taxes.