2026 Etsy Digital Product Fee Calculator & Gumroad Payout Comparison
Why does a $2.50 single digital download lose up to 27.5% in baseline marketplace fees before advertising, while a $9.99 multi-item bundle keeps 86.0% net? Model your exact take-home profit across Etsy Organic, Etsy Offsite Ads (15% / 12%), Gumroad Direct Links, Gumroad Discover, and Cults3D below.
1. Interactive 2026 Etsy vs. Gumroad vs. Cults3D Net Payout Calculator
Click a real pricing preset below or enter your own list price, promo discount code, and monthly order volume to compare net take-home profit across every major digital download checkout channel.
2. Line-by-Line 2026 Platform Fee & Break-Even Matrix
Live fee breakdown for your selected checkout price ($9.99 across 100 monthly orders):
| Marketplace / Checkout Channel | Checkout Price | Upfront Listing Fee | Platform Commission | Payment Processing | Total Fee / Order | Net Profit / Order | Net Margin % | Monthly Net Profit |
|---|
3. Single Download ($2.50) vs. Master Bundle ($9.59–$12.00) Economics
Here is why pricing a 25-model 3D print vault at $9.59–$9.99 (or a 2,486-row B2B dataset at $9.00–$12.00) beats selling 1-piece micro-downloads at $2.50 for both the buyer and the creator:
| Live MYSTIQUE LAB Product Tier | Buyer Price | Items Included | Buyer Cost Per Item | Etsy Fixed + % Fees | Seller Net Take-Home | Live Storefront Links |
|---|---|---|---|---|---|---|
| 1-Piece Single STL Download e.g. Precision Screwdriver Dock / Cable Comb |
$2.50($2.00 w/ 20% OFF) |
1 STL Model | $2.00 – $2.50 / model | $0.69 fee on $2.50 (27.5% fee drag) |
$1.81 net | Etsy Singles • Cults3D Singles |
| Complete 5-Piece Desk & Home Starter Bundle 5 one-piece support-free organizers + print guide |
$3.99 Base($3.19 w/ 20% OFF) |
5 STL Models + PDF Guide | $0.64 / model (Save 74%) |
$0.75 fee on $3.19 (23.6% fee drag) |
$2.44 net | Etsy #11 ($3.99) • Cults3D #06 ($3.19) |
| All-In 15-Piece Desk, Cable & Soldering Mega-Bundle 15 STLs + 10 OpenSCAD customizers + PDF guide |
$7.99 Base($6.39 w/ 20% OFF) |
15 STLs + 10 .scad Files |
$0.43 / model (Save 82%) |
$1.06 fee on $6.39 (16.5% fee drag) |
$5.33 net | Cults3D #20 ($6.39) • STL Build Planner |
| All-In 25-Piece Studio, Electronics & Desk Master Vault All 25 support-free STLs + 20 OpenSCAD customizers + PDF guide |
$9.99 Etsy / $11.99 Cults($9.59 Cults3D 20% Sale) |
25 STLs + 20 .scad Files |
$0.38 / model (Save 84%) |
$1.40 fee on $9.99 (Only 14.0% fee) |
$8.59 net (4.7x single net) |
Etsy #12 ($9.99) • Cults3D #31 ($9.59) |
| 2026 Verified B2B Leads Mega-Pack (2,486 Leads + CRM) 6 verified CSV datasets + 150 audited stores + Excel CRM |
$9.00 Etsy / $12.00 Gumroad(Code LAUNCH2 on Gumroad) |
2,486 B2B Leads + 150 Audits | $0.0048 / lead | $1.30 Etsy fee on $9.00 (14.5% fee drag) |
$7.70 – $9.65 net | Gumroad ($12) • Etsy #10 ($9.00) |
4. Digital Templates, Lead Packs & Automation Vaults
Explore our live digital downloads across Gumroad and Etsy (with instant ZIP/CSV/XLSX/PDF delivery):
- 📦 2026 Verified B2B Leads Mega-Pack (2,486 Leads + CRM • $12) — Shopify DTC, YC, SEC Form D, FMCSA & NPI
- ⚡ Q4 2026 Funded & Actively Hiring B2B Trigger Pack (986 Leads • $9) — Live ATS roles + founder socials
- 🛡️ EU EAA & WCAG 2.2 AA Agency Remediation & Audit Kit ($12) — Shopify Liquid patches + 150 audited stores
- ⚙️ n8n B2B Outbound & Lead Enrichment Workflow Vault ($12) — Ready-to-import JSON automation templates
- 🛒 Agency Proposal, SOW & Client Onboarding Kit on Etsy (#4602657343) — Client-ready templates & calculators
5. Related Free E-Commerce & Maker Calculators on mystiquelab.dev
Use our companion browser calculators to price physical 3D prints, BFCM promos, and outbound campaigns:
- 🖨️ 3D-Printed Desk Organizer Build-Plate, Filament & Time Planner — 25 support-free models + CSV print queue
- 📐 3D Print Filament, Electricity & Marketplace Margin Calculator — Exact per-gram & machine-hour math
- 🛍️ E-Commerce Profit & BFCM Bundle Discount Calculator — ROAS break-even & contribution margin
- 📊 B2B Lead Enrichment & Hiring-Signal Database Explorer — 15-row real sample preview & pipeline sizer
- 🔍 Shopify Store Leads List Download (500 Verified DTC Brands) — 26-column schema & filterable sample
6. Frequently Asked Questions
$0.20 listing renewal fee per order + 6.5% transaction fee on the checkout price + 3.0% + $0.25 Etsy Payments processing fee. If the order is attributed to an Etsy Offsite Ad click within 30 days, Etsy adds a 15% fee (or 12% for shops exceeding $10,000 in annual revenue).
10% + $0.50 plus standard payment processor fees (~2.9% + $0.30). When a buyer finds your product organically inside Gumroad Discover, Gumroad charges an all-in 30% fee.
80% of the net pre-tax price (a 20% platform commission) minus standard PayPal payout processing fees (modeled at ~2.9% + $0.30), with $0.00 upfront listing fees.