Gumroad fees 2026: what you actually keep after every sale

Gumroad advertises a simple 10% fee. What you actually pay is closer to 13% on every card transaction — and if a customer finds you through Gumroad's own marketplace, that number jumps to 30%.

Here's the full breakdown nobody puts in one place.

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The two fee tracks

Every Gumroad sale falls into one of two buckets depending on how the customer found you.

Direct sales — someone clicked your link, found you on social media, or came to your profile directly — cost you 10% of the sale price plus $0.50 per transaction. On top of that, card processing through Stripe adds another 2.9% plus $0.30. So the real cost on a direct sale is roughly 12.9% plus $0.80 per transaction.

Discover sales — someone found your product by browsing Gumroad's marketplace — cost a flat 30%. That rate includes processing. But 30% is steep, and it applies even if you sent the customer there yourself through your own marketing.

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What a $25 sale actually nets you

Use the calculator below to see exactly what you keep at any price point.

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How fees compound as you scale

The math turns against you fast at higher revenue. At $1,000 a month in direct sales you're paying roughly $130 in Gumroad fees alone. At $5,000 a month that's over $650.

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The refund sting

If you refund a customer, Gumroad keeps its fees anyway. The 10% plus $0.50 is gone regardless. So a refund doesn't just cost you the sale — it costs you the sale plus the fees on top of it.

The one thing Gumroad actually does well

Since January 2026 Gumroad became a Merchant of Record, meaning they handle all global tax obligations — VAT, GST, sales tax worldwide — at no extra charge. If you sell internationally this is genuinely valuable. Handling that yourself is a significant compliance headache.

When Gumroad stops making sense

At $1,000 a month you're paying roughly $130 in fees. At $5,000 that's $650. At that point subscription-based platforms with lower per-transaction rates start saving you real money every month.

If you sell on other platforms too

Most creators using Gumroad also sell somewhere else — Stripe for SaaS, Patreon for memberships, Teachable for courses. Each platform takes its own cut, runs its own dashboard, and shows you its own version of your revenue. None of them show you what you actually kept across everything.

That's what Owelet does. Connect all your platforms and see your real net income, fee breakdown per platform, and monthly burn in one place. Free to start at owelet.app.