120 deterministic fee models • US, UK, EU, AU & CA

Audit every checkout & SaaS fee online.

Vendor pricing pages bury 4% FX spreads, 2% external gateway penalties, and 10,000-contact tier cliffs. Model your exact 12-month take-home in real time.

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stripe-us.calc shopify-33k.flip substack-10pct.cmp

[+] live-payout-audit.window [*]

SALE_AMT

Wise Business •••• 0.48% + $0.00

Mid-market invoice link

-$4.80 $995.20

Stripe •••• 2.90% + $0.30

Standard card checkout

-$29.30 $970.70

Square Online •••• 2.90% + $0.30

US online card checkout

-$29.30 $970.70

PayPal Commercial •••• 3.49% + $0.49

Checkout + 4% FX spread

-$35.39 $964.61

Lemon Squeezy •••• 5.00% + $0.50

MoR • Global tax included

-$50.50 $949.50

Paddle Billing •••• 5.00% + $0.50

MoR • Global tax included

-$50.50 $949.50

Annual spread at 20 tx/mo: $10,968/yr saved between top & bottom. list_all_schedules() ↗

Explore our calculator engines

3 engines • 120 pages

click any vendor keycap ↘ 30 regional schedules

Stripe PayPal Wise LemonSq Paddle Shopify Etsy

Amazon Substack

beehiiv Mailchimp Gumroad

paymentfees

One deterministic engine to audit domestic cards, cross-border FX spreads, and reverse-invoice gross-ups across 30 schedules.

Explore Payment Fees

[+] shopify-breakeven.product [*]

Store Tiers @ $35k/mo GMV break_even()

Shopify Basic •••• 2.9%

$39/mo + $1,224 card fees

Overpaying

Shopify Grow •••• 2.6%

$105/mo • Saves $468/yr

Optimal

WooCommerce •••• 0% Cut

Hosting + Stripe direct

Active

Store Break-Evens

Pinpoint the exact monthly GMV where upgrading Shopify tiers, removing 2% gateway fees, or leaving Etsy boosts net profit.

Explore Store Models

Newsletter & Email Tiers

See when Substack’s 10% recurring revenue cut overtakes flat-rate beehiiv or Ghost plans, and compare contact-tier jumps across Mailchimp, Brevo, Klaviyo, and HubSpot from 500 to 100k subscribers.

Explore Email Tiers

[+] creator-take-rate.audit [*]

500 paid readers at $10/mo on Substack (10% cut) costs $8,352/yr.

Switching to beehiiv Scale (0% cut) drops total fees to $2,868/yr.

Net creator margin recovered: +$5,484/yr open ↗

AdSense Placement Preview (topLeaderboard) — Hidden in production until adsenseEnabled: true in src/data/monetization.ts.

Head-to-head 12-month matchups

Interactive side-by-side audits across payment processors, storefronts, and newsletter platforms.

All 48 Comparisons

[+] stripe-vs-paypal.cmp [*]

$1,420/yr gap

Stripe vs PayPal

Domestic checkout vs 4.0% international currency conversion spread

[+] substack-vs-beehiiv.cmp [*]

$490 MRR flip

Substack vs beehiiv

10% recurring creator revenue cut vs flat monthly software tier

[+] shopify-vs-woo.cmp [*]

2% gateway test

Shopify vs WooCommerce

Hosted plan + external gateway fee vs managed WordPress + Stripe

[+] lemonsq-vs-paddle.cmp [*]

+1.5% FX delta

Lemon Squeezy vs Paddle

Global SaaS Merchant of Record effective take-rates & payout fees

[+] mailchimp-vs-brevo.cmp [*]

Save ~$960/yr

Mailchimp vs Brevo

Contact-count tier brackets vs monthly email send-volume billing

[+] paypal-vs-wise.cmp [*]

$850 / $10k wire

PayPal vs Wise Business

Cross-border client invoicing and mid-market exchange rate payouts

12 Strategic Wedge Inflection Points

Exact Mathematical Break-Even Benchmarks

Deterministic thresholds where vendor cut rates, gateway surcharges, and contact tier cliffs flip in your favor — verified down to the exact dollar.

Phase 3 Long-Tail Wedge

[+] substack-vs-beehiiv.calc [*]

Creator Tech $490/mo break-even

Substack 10% Cut vs beehiiv Flat Scale ($490/mo break-even)

At $490/mo gross reader revenue, beehiiv Scale ($39/mo flat) beats Substack 10% take-rate.

audit_model() View Threshold ↗

[+] shopify-basic-vs-grow.calc [*]

E-Commerce Tiers $22,000/mo GMV flip

Shopify Basic vs Grow Plan ($22,000/mo card break-even)

0.3% lower online card processing rate (2.6% vs 2.9%) recoups the $66/mo plan difference at $22,000 GMV.

audit_model() View Threshold ↗

[+] lemonsq-vs-paddle.calc [*]

Merchant of Record International FX & MoR

Lemon Squeezy vs Paddle Billing (International FX & MoR)

Paddle includes global sales tax with zero cross-border markup; Lemon Squeezy adds +1.5% international spread.

audit_model() View Threshold ↗

[+] wise-vs-paypal.calc [*]

Cross-Border B2B 0.48% vs ~8.99% FX

Wise Business vs PayPal Cross-Border (0.48% vs ~8.99% FX)

Mid-market Wise transfer rates save up to $850 per $10,000 cross-border invoice over PayPal 4% FX markup.

audit_model() View Threshold ↗

[+] whop-vs-gumroad.calc [*]

Digital Products 3% vs 10% flat cut

Whop Checkout vs Gumroad 10% Creator Cut

Whop 3% take-rate retains $70 more profit per $1,000 software/course sales than Gumroad 10% flat tax.

audit_model() View Threshold ↗

[+] klaviyo-vs-brevo.calc [*]

Email Infrastructure Profiles vs Sends

Klaviyo Active Profiles vs Brevo Send-Volume Pricing

Brevo bills by email sends rather than list count, saving high-contact low-frequency senders ~$1,200+/yr.

audit_model() View Threshold ↗

[+] mailchimp-vs-brevo.calc [*]

Contact Billing Save ~$960/yr on 10k list

Mailchimp Overage Tiers vs Brevo Unlimited Contacts

Mailchimp doubles bills on unsubscribed contact overages; Brevo includes unlimited stored contacts on all tiers.

audit_model() View Threshold ↗

[+] lemonsq-vs-stripe-tax.calc [*]

SaaS Billing $15k MRR tax break-even

Lemon Squeezy 5% MoR vs Stripe + Stripe Tax

At high volume, DIY Stripe (2.9% + 0.5% Stripe Tax) beats Lemon Squeezy 5% + 50¢ MoR all-in deduction.

audit_model() View Threshold ↗

[+] shopify-ext-gateway.calc [*]

Store Gateways 2.0% Basic penalty

Shopify 2% / 1% / 0.6% External Gateway Penalty

Shopify charges 2.0% (Basic), 1.0% (Grow), or 0.6% (Advanced) on GMV if not using native Shopify Payments.

audit_model() View Threshold ↗

[+] amazon-fba-vs-shopify.calc [*]

Retail Channels 15% referral vs 2.9% DTC

Amazon FBA Referral Cut vs Shopify DTC Margin

Amazon 15% category take-rate + FBA pick & pack vs Shopify DTC customer acquisition & shipping unit economics.

audit_model() View Threshold ↗

[+] newsletter-100-subscribers.calc [*]

Audience Monetization 100 readers @ $10/mo

Paid Newsletter Cost at 100 Paid Members

Substack deducts $100/mo ($1,200/yr); free beehiiv tier retains 100% of reader subscriptions minus Stripe.

audit_model() View Threshold ↗

[+] kofi-gold-vs-free.calc [*]

Creator Donations $240/mo tips break-even

Ko-fi Gold ($12/mo, 0%) vs Free 5% Break-Even

Ko-fi Gold flat $12/mo pays for itself the moment monthly tip and commission donations cross $240.

audit_model() View Threshold ↗