Finance
Seller financing calculator
Estimate monthly payment, interest, and an optional balloon on a seller note.
Enter item sale price, shipping charged, and optional production costs to estimate Etsy listing fees ($0.20), 6.5% transaction fees, and payment processing charges. Supports US, UK, Canada, Australia, and EU rates. Numbers remain private on your device.
Calculates Etsy fees client-side · Numbers stay on your device
Order Revenue
$50.00
Item: $45.00
Total Etsy Fees
-$5.20
10.4% of revenue
Etsy Net Payout
$44.80
Deposited to bank
Estimated Net Profit
$27.30
Profit Margin
54.6%
| Listing Fee | Fixed per item | -$0.20 |
| Transaction Fee | 6.5% on item + shipping | -$3.25 |
| Payment Processing | Etsy Payments rate | -$1.75 |
| Seller Production & Postage Costs | COGS + postage + packing | -$17.50 |
Disclaimer: Etsy fees, payment processing rates, and currency exchange rates change periodically and vary by country. This calculator provides estimates based on standard Etsy schedules. Always refer to official Etsy Seller Policy and Payments documentation for current legal rates. Not affiliated with or endorsed by Etsy, Inc.
$45 handmade craft with $5 shipping
A $45 item with $5 shipping produces $50 gross order revenue. Etsy deducts a $0.20 listing fee, $3.25 transaction fee (6.5%), and $1.75 payment processing (3% + $0.25 US), yielding $44.80 net seller payout.
Etsy takes a listing fee, 6.5% of the whole order (including shipping you charged), payment processing, and, for many UK shops, a small regulatory operating fee. Offsite Ads, if they attributed the sale, take another 12% or 15%.
Because the 6.5% applies to postage charged, inflating shipping to hide the item price still costs transaction fee. Keeping a UK pack inside Large Letter often saves more than shaving 50p off the listing fee.
Compare that stack with Vinted, where the seller keeps the listed price and the buyer pays protection. Use both calculators on the same item before you choose a channel.
Gross = itemPrice × quantity + shippingCharged. Listing = listingFeeFixed × quantity. Transaction = gross × 6.5%. Processing = gross × processing% + fixed (UK: 4% + £0.20). Regulatory (UK) = gross × 0.32%. Offsite ads = gross × 12% or 15% when enabled. Payout = gross − all Etsy lines. Profit = payout − itemCost − actualShipping − packaging.
Presets track commonly published Etsy Payments rates and can lag a policy change. Currency conversion, VAT on fees, and pattern-disruption ads are out of scope. Estimate only.
The thickness cap on Large Letter is 25 mm. Miss it and Royal Mail consumer postage steps up to Small Parcel.
The 6.5% transaction fee applies to postage you charged the buyer, not just the item price.
Same jumper, two fee models: seller commission versus buyer-side protection.
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