Shopify fee and profit calculator for US and UK sellers (2026).

Shopify's advertised card rate is only one part of the cost of an order. A useful profit estimate also allocates the store subscription and recurring apps, distinguishes Shopify Payments from an outside payment provider, includes currency conversion only when it actually applies, and subtracts the costs of making and delivering the product. This calculator combines those inputs for a US or UK store so you can test prices, plans, and order volume without mistaking gross revenue for profit.

Reconcile the estimate against your Shopify bills and payout reports. Pricing can vary by billing cycle, card type, seller location, payment method, and negotiated terms.

How to calculate Shopify fees and profit

1. Select the store's US or UK location and choose Basic, Grow, or Advanced.
2. Enter the item price, buyer-paid shipping, paid add-ons, and a realistic monthly store-order count.
3. Select Shopify Payments or enter the processing rate charged by a third-party provider.
4. Add monthly apps, paid acquisition, production, packaging, fulfillment, and other order costs.
5. Enter the gross amount Shopify converts only when the order and payout currencies make that fee applicable.

Run a slow, expected, and high-volume case. Fixed subscriptions are spread over fewer orders in a slow month, while ad costs and returns may increase during growth.

Shopify US and UK plan prices and standard online card rates

These public prices and starting rates come from Shopify US pricing and Shopify UK pricing. Annual figures are monthly equivalents tied to yearly billing; monthly billing costs more. The displayed UK percentages are standard-card starting rates. Premium, corporate, commercial, international, and American Express cards can cost more, and Shopify can apply different rates based on the store's location and plan. Treat the preset as a starting case, then replace it with the rate in your account when available.

Which amount is charged the card-processing percentage?

Shopify explains that card rates are applied to the order amount captured for payment. For planning, the calculator uses the customer-facing checkout total you enter: product revenue, buyer-paid shipping, and any checkout tax processed through the payment. Tax entered in the separate checkout-tax field affects processing fees but is already excluded from revenue, so do not subtract it again. Use seller tax remittance only for VAT or another tax embedded in the item, shipping, or add-on revenue fields. If Shopify does not process a particular amount, do not include it in the card-fee base.

A percentage-plus-fixed fee makes low-value orders particularly sensitive to average order value. Bundles can spread one fixed charge across more revenue, but only if the bundle's discount, additional fulfillment, and return exposure still produce a better contribution. Read Shopify's official Shopify Payments fee guidance for location and payment-method details.

Shopify Payments versus third-party payment providers

When Shopify Payments is the store's sole provider, Shopify says the applicable card-processing rate applies without an additional third-party transaction fee. With a direct third-party provider, the provider charges its own processing fee and Shopify normally adds a transaction fee. The public additional rates for Basic, Grow, and Advanced are 2%, 1%, and 0.6%, respectively.

Shopify documents exceptions to that general rule. For applicable stores created on or after May 12, 2025, a third-party transaction fee can be charged on the portion paid with gift cards or store credit even when Shopify Payments is active. The calculator does not split a mixed-tender order automatically; enter that verified charge under other Shopify cost per order.

Shopify calculates its third-party transaction charge from a formula based on the product amount, tax, and shipping, with discounts and returns affecting the inputs. Do not simply multiply a payout by the headline percentage. Exemptions and special rules can apply. See Shopify's third-party transaction fee documentation, then enter the outside provider's actual rate separately.

Allocate monthly plans and apps per order

A $39 Basic plan allocated across ten orders contributes $3.90 to each order; across 100 orders it contributes $0.39. A $30 app adds another $3.00 or $0.30. This managerial allocation exposes the volume required to support the store's fixed stack. Use all completed store orders, not only sales of one product.

Currency conversion and the April 6, 2026 change

A currency-conversion fee can apply when a customer pays in a currency that differs from the relevant Shopify Payments payout currency. Shopify's public US and UK pricing pages show a 1.5% currency-conversion rate for the modeled plans. Do not add it to ordinary domestic orders automatically. Markets, local-currency eligibility, payout setup, and manual market prices determine whether conversion occurs. Review Shopify's local-currency guidance for the transaction you are modeling.

Beginning April 6, 2026, Shopify calculates currency conversion and Multi-Currency Payout fees directly on the gross order amount. The earlier method used an amount after Shopify Payments fees and divided by one plus the conversion rate. The calculator follows the new gross method: a $100 applicable order at 1.5% produces a $1.50 conversion charge. Shopify documents the change on its currency-conversion calculation page.

Worked US example

Consider a $50 product with $5 buyer-paid shipping on Basic annual billing. At 100 monthly orders, the $29 plan contributes $0.29 per order. Standard US Shopify Payments processing is $1.90: 2.9% of $55 plus $0.30. If materials and labor cost $16, fulfillment costs $7, apps allocate $0.40, advertising costs $6, and other order costs are $1, estimated profit is $22.42. That is a 40.8% margin before seller-remitted tax, refunds, and chargebacks.

Worked UK example

Suppose a UK Basic store sells a £40 product with £4 shipping and processes 80 monthly orders on annual billing. The £19 plan contributes about £0.24. Standard processing is £1.13: 2% of £44 plus £0.25. With £12 production, £5 fulfillment, £0.50 allocated apps, £4 advertising, and £1 other costs, estimated profit is about £20.13. This simplified example assumes no conversion and no VAT embedded in the entered revenue; if the displayed price includes VAT that the seller must remit, enter that VAT portion as seller tax remittance.

When is a higher Shopify plan worth it?

An upgrade breaks even when payment savings and operational benefits exceed the extra subscription. For a simplified rate-only comparison, divide the extra monthly plan cost by the percentage-point reduction, then adjust for fixed fees and the actual mix of eligible card volume. Moving from US Basic annual billing at $29 and 2.9% to Grow at $79 and 2.7% costs $50 more and saves 0.2 percentage points. Card volume alone would need to reach about $25,000 per month before that simplified saving equals $50. Staff accounts, reporting, shipping features, and international tools can justify a plan earlier, while premium-card pricing can change the calculation.

Compare all three tiers at your actual monthly volume with the Shopify plan comparison and upgrade break-even calculator. It checks Basic, Grow, and Advanced together so a direct two-plan threshold is not mistaken for the cheapest overall choice.

Costs the calculator cannot know automatically

Enter apps, themes financed over time, domains, email tools, advertising, affiliate commissions, product cost, packaging, postage, warehouse charges, duties, and expected returns where relevant. Refund rules matter: Shopify says card-processing charges are not automatically returned in every situation, and exchange-rate movements can affect cross-border refunds. Chargebacks may add fees and inventory loss. Income tax, VAT or sales-tax obligations, tax on Shopify invoices, bookkeeping treatment, and gateway-specific reserves require professional or account-level review.

Price from contribution after variable costs, then verify that monthly contribution covers fixed overhead and owner pay. If percentage markup and profit margin feel interchangeable, use the markup versus margin guide. Makers pricing labor-intensive products can also audit production assumptions with the 3D-printing pricing framework.

Frequently asked questions

Does Shopify take a percentage of every sale?

Payment processing normally takes a percentage plus a fixed charge. A separate Shopify transaction percentage generally applies when an eligible third-party provider processes the payment, not when Shopify Payments is the sole provider.

Are shipping and tax included in Shopify fees?

Processing and third-party transaction calculations can use checkout amounts that include shipping and tax. Separately added checkout tax is excluded from calculator revenue automatically. Enter seller tax remittance only when tax is embedded in an entered revenue amount, such as a VAT-inclusive product price.

Does Shopify refund processing fees after a refund?

Do not assume every fee is returned. Refund treatment depends on location, provider, and current terms. Use a return reserve and check the original transaction and bill.

Is Shopify cheaper than Etsy?

Shopify can have lower deductions per established order, but it has fixed store costs and does not guarantee marketplace demand. Compare acquisition cost and volume with the Etsy versus Shopify calculator.

Methodology and independence

MakerGauge's calculation methodology explains formula scope, rounding, and update practices. The editorial policy explains sourcing, corrections, and commercial independence. Displayed currency values may be rounded while calculations retain additional precision.