About SaaS Cost Hub & Data Methodology

SaaS Cost Hub builds independent budgeting calculators for founders, e-commerce store owners, agencies, and newsletter operators who want to see real all-in software and payment processing costs before committing to a plan.

1. How Fee Schedules Are Verified

Every calculator in our database pulls published list rates directly from official merchant fee pages across United States (USD), United Kingdom (GBP), European Economic Area (EUR), Australia (AUD), and Canada (CAD) schedules. Rates were last audited in November 2026.

2. Mathematical Formulas Used

• Standard Payment Deduction: Fee = (Gross × Total_Percent) + Fixed_Cents, where Total_Percent sums the domestic card rate, applicable cross-border card surcharge, and currency conversion margin.
• Reverse Invoice Gross-Up: Invoice_Gross = (Target_Net + Fixed_Cents) / (1 - Total_Percent) so that deducting processor fees leaves your exact target payout down to the cent.
• E-Commerce Plan Break-Even: Sums monthly subscription (or annualized monthly rate), hosting overhead, card processing across estimated order count (Monthly_GMV / AOV), and any third-party gateway or marketplace transaction cuts.
• Email & Paid Newsletter Tiers: Combines published subscriber-tier base fees with percentage platform revenue cuts (such as Substack 10% or Kit Commerce 3.5%).

3. Editorial Independence

Calculator math is deterministic and never altered by sponsorship or affiliate relationships. If a platform is more expensive at your chosen volume, the calculator displays that higher cost plainly. Spot an updated vendor rate? Report a rate update here.