Etsy fee calculator for digital downloads
Etsy takes a bigger cut of a digital download than most creators expect, because three separate fees stack on every order.
On a $20 digital download, Etsy keeps roughly $2.35 — about 11.7% — once the 6.5% transaction fee, payment processing and the $0.20 listing fee are combined.
Run your own numbers
At $29.00 × 50/month, Your own store (Stripe) keeps you the most: $1,392.95 net per month ($27.86 per sale).
| Platform | Fee % | Flat | Monthly | You keep / sale | Net / month | Effective rate |
|---|---|---|---|---|---|---|
| Your own store (Stripe)Card processing only; you keep the customer. | $27.86 | $1,392.95 | 3.9% | |||
| Payhip (free)5% Payhip fee plus your processor's cut. | $27.55 | $1,377.50 | 5.0% | |||
| Shopify BasicSubscription plus Shopify Payments. | $27.86 | $1,353.95 | 6.6% | |||
| Lemon SqueezyMerchant of record — handles sales tax. | $27.05 | $1,352.50 | 6.7% | |||
| GumroadFlat 10% per sale, processing included. | $26.10 | $1,305.00 | 10.0% | |||
| Payhip (Pro)0% platform fee, processor only. | $27.86 | $1,293.95 | 10.8% | |||
| EtsyTransaction + payment processing + listing fee. | $25.80 | $1,289.75 | 11.1% |
Defaults use each platform's published 2026 rates. Rates change — edit any cell to match your plan or region before deciding.
Keep these numbers
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Which Etsy fees apply to a digital file
Three charges land on every digital sale: a 6.5% transaction fee on the item price, payment processing at roughly 3% + $0.25 depending on your country, and a $0.20 listing fee each time the listing renews after a sale.
Etsy Ads and Offsite Ads are separate. Offsite Ads can add 12-15% on an attributed order and is mandatory once your shop passes the revenue threshold, so model it as an extra line if that applies to you.
When Etsy is still worth it
Etsy's fee buys buyer intent. If a meaningful share of your sales come from Etsy search rather than your own audience, the cut is cheaper than paying for that traffic.
The break-even question is volume: once you can send buyers directly, the same file on your own store keeps around 97% of the price instead of 88%.
Questions
- Does Etsy charge a listing fee for digital products?
- Yes — $0.20 per listing, and the listing auto-renews after each sale, so it effectively applies per order unless you disable renewal.
- Is the Etsy fee taken before or after tax?
- The transaction fee applies to the item price plus shipping where relevant; Etsy collects and remits sales tax and VAT separately on most digital orders.
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