Gumroad Fees in 2026: The Complete Breakdown (With Calculator)

Gumroad's fee structure is refreshingly simple. That's the whole point.

I spent a year trying to figure out Etsy's fees before I realized I was overcomplicating my life. Then I started selling on Gumroad and the entire fee structure fit in one sentence: they take 10% of every sale. That's it.

No listing fees. No payment processing surcharges. No mystery "offsite ads" deductions. You sell a $20 template, Gumroad takes $2, you keep $18. Done.

But "simple" doesn't automatically mean "cheap." Whether Gumroad's 10% is a good deal depends entirely on what you're selling, how much you charge, and what your alternative is. I've run the numbers both ways, and the answer isn't as obvious as you'd think.

What Gumroad's 10% actually covers

Let's be specific about what's included in that 10% cut:

Payment processing. Credit cards, PayPal, Apple Pay — all included. On other platforms, payment processing alone costs 2.9% + $0.30 per transaction. Gumroad bakes this into their 10%.Hosting your product page. Every product gets a landing page with a checkout. No website needed. No domain to buy. No hosting to pay for.File delivery. Upload your digital product, and Gumroad handles the download link, access management, and redelivery if a customer needs it again.Sales tax and VAT handling. Gumroad collects and remits sales tax and international VAT on your behalf. If you've ever tried to figure out EU VAT compliance on your own, you know this alone is worth something.

So when you compare Gumroad's 10% to other platforms, you need to factor in that it replaces several separate costs you'd pay elsewhere.

The math on a $25 digital product

Let's walk through a real sale. You sell a Canva template bundle for $25 on Gumroad.

That's it. One line item. You keep $22.50.

Now let's compare the same $25 product on Etsy:

Wait — Etsy is actually slightly more expensive on a $25 product? Yes. Without offsite ads, Etsy takes about 11.3% in combined fees versus Gumroad's flat 10%. And if Etsy hits you with the 15% offsite ads fee on a sale, you'd keep just $18.42 on that transaction.

I built a [free Gumroad fee calculator](/tools/gumroad-fee-calculator) that does this math for you instantly — just plug in your price and see exactly what you keep.

When Gumroad beats Etsy on fees

Lower price points ($5-$15). That $0.20 listing fee and $0.25 fixed payment processing charge on Etsy hurt more on cheap products. On a $5 product, Etsy takes about 17.6% in fees. Gumroad still takes 10%.High volume on a single product. If your template sells 500 times, Etsy's listing fees alone cost you $100 (the $0.20 renews every sale). On Gumroad, there's no per-sale listing charge beyond the 10%.Products that trigger offsite ads. If Etsy is running ads for your products (and you can't opt out above $10k annual revenue), any sale from those ads costs you an extra 15%. That pushes Etsy's effective fee to 26%+ on those transactions. Gumroad doesn't run ads for you, so there's no equivalent surprise.

When Etsy beats Gumroad

You need traffic. This is the big one. Gumroad gives you a product page, but nobody's going to find it unless you send them there. Etsy has 90+ million active buyers searching for products. If you don't have your own audience, Etsy's higher fees are essentially a marketing cost — and they might be worth it.Higher price points. At $50 and above, the gap between 10% and Etsy's ~11.3% narrows in dollar terms, and Etsy's built-in traffic makes those extra cents worth it.Physical + digital bundles. Etsy handles physical product shipping and tracking. Gumroad is purely digital. If you sell mixed products, Etsy is more practical.

The comparison most sellers actually need

Honestly, the Gumroad vs. Etsy question is the wrong framing. Most successful digital product sellers I know use both. Etsy for discovery, Gumroad for direct sales to their existing audience.

The real question is: for each platform, what's my net margin per sale, and where should I focus my energy?

If you want to compare fees across Etsy, Gumroad, and Shopify side by side, I built a [platform comparison calculator](/tools/platform-comparison-calculator) that shows you the exact take-home on each platform for any price point.

Two pricing mistakes I made on Gumroad

Mistake 1: Pricing identically across platforms. I listed a template at $19 on both Etsy and Gumroad. On Etsy, I netted about $16.72. On Gumroad, I netted $17.10. Close enough, right? But I was sending my email list to Gumroad and getting organic traffic on Etsy. The Gumroad buyers already knew me — they would have paid $22 or $24. I was leaving money on the table by not pricing differently per platform.Mistake 2: Not accounting for refunds. Gumroad has a 30-day refund policy by default. You can turn it off, but many buyers expect it. My refund rate on Gumroad was about 4% (higher than Etsy's 1.5%), and I wasn't factoring that into my pricing. On a $20 product with a 4% refund rate, your effective revenue per listing view is lower than it looks.

Bottom line

Gumroad's 10% fee is genuinely simple and genuinely competitive. For products under $20 and for sellers with their own audience, it's often cheaper than Etsy after you add up all of Etsy's individual fees.

But fees are only part of the equation. A platform that costs more but brings you customers you'd never find otherwise might still be the better deal. Run the numbers for your specific products and prices — the [Gumroad fee calculator](/tools/gumroad-fee-calculator) takes about 10 seconds — and make the decision based on your actual margins, not vibes.