Etsy fee calculator

Etsy charges four things on a digital sale. The listing fee is $0.20 per listing and renews every four months, whether or not the item sells. UK sellers see it as about £0.15, because Etsy converts the dollar figure at the market rate. The transaction fee is 6.5% of the item price plus shipping and gift wrap. The payment processing fee is 3% + $0.25 per order in the US and 4% + £0.20 in the UK. UK sellers also pay a 0.48% regulatory operating fee.

Offsite Ads is optional below $10,000 of prior-365-day sales and mandatory above it. It adds 15% or 12% of the order, capped at $100. The calculator has switches for both the ad and the shop-size threshold; the fee is charged on the item price, not on the buyer’s tax. UK sellers are also charged VAT on Etsy’s seller fees where applicable. Figures above are from Etsy’s own fees and payments pages, checked in October 2026.

Etsy also charges a 2.5% currency conversion fee when the listing currency differs from the currency of your payment account. This calculator does not include it, because the charge depends on the currencies involved.

These are the default US figures, one listing and no Offsite Ads. They are generated from the same schedule as the calculator, so they cannot drift from it.

At $10 the fees are $0.20 listing + $0.65 transaction + $0.55 processing = $1.40, leaving $8.60. The seller-side percentage is 14%, not 6.5%, because it includes every fee on the sale.

Opt out of Offsite Ads while you can. Under $10,000 in prior-365-day sales, Etsy lets you turn them off. Above that, participation is required. If you rely on Etsy’s ads for discovery, price for the 12–15% rather than treating it as a surprise.

Put the bundle in one listing. The listing fee is per listing, so a template pack sold as one listing costs one fee. Splitting a product into five listings costs five fees and gives the buyer five decisions.

Do not price a digital product like a physical one. There is no shipping and no per-unit cost, so the 6.5% transaction fee is the main variable cost. A $5 product with a $0.20 listing fee and 3% + $0.25 processing has a much higher percentage cost than a $25 product; the fixed fees are the reason.

Use Etsy for discovery, not for the customer relationship. Etsy’s search traffic is the reason to be there. The buyer belongs to Etsy, and the price sits beside competitors’ listings. If you already have an audience, a direct link keeps the customer and the margin.

Etsy is the better choice when you have no audience and need search traffic. Its fees buy discovery, and for a first product that can be worth more than the percentage. It is also simpler than building a shop if you want a listing that can be found.

A direct Unlockable link is better when people already ask you for the file. You keep the buyer relationship, the price is not next to a page of similar listings, and the buyer pays the 10% privacy and security fee on top while card processing is covered by Unlockable. It is not automatically cheaper for the buyer: on a $10 sale Etsy leaves you $8.60 and Unlockable leaves you $9.00, but the buyer pays $11 instead of $10. The trade is ownership and control, not a free lunch. See Unlockable’s pricing and the platform comparison.