Shopify Fee & Plan Profit Calculator

Calculate monthly Shopify plan costs, credit card processing fees, third-party gateway fees, net merchant profit, and discover the optimal plan tier for your revenue volume.

Store Sales & Platform Setup

E-Commerce Store Presets
$
$
%
Monthly Net Merchant Profit
$9,936.00/ month
3.76% fee drag

Total Fees

$564.00

Monthly Plan

$39.00

CC Processing

$525.00

Monthly Orders

300

Monthly Revenue Waterfall
Gross Sales Revenue:$15,000.00
Product Costs (COGS 30%):-$4,500.00
Platform Subscription & CC Fees:-$564.00
Net Operating Take-Home:$9,936.00

Confidential E-Commerce Data

Your store revenue, margins, and order volume parameters are calculated 100% locally in your browser.

Shopify Merchant Fee Mathematics & Plan Tier Formulas

Shopify store operating costs comprise subscription fixed overhead, order processing fees, and gateway surcharges:

1. Monthly Orders Count Formula
Orders Count =
Monthly Gross Sales Revenue ($)Average Order Value (AOV)
2. Processing & Transaction Fees Formula
Total Processing Fees = (Gross Sales × Rate %) + (Orders × $0.30) + Third-Party Surcharges
3. Net Merchant Operating Profit
Net Profit = Gross Sales - (Gross Sales × COGS %) - Plan Monthly Cost - Total Processing Fees
Step-by-Step Shopify Fee Breakdown
Step 1: Calculate Order Volume & Processing Fees
$15000 revenue ÷ $50 AOV = 300 orders. Processing fees equal $525.00.
Step 2: Account for Plan Subscription & COGS
Plan overhead ($$39.00) + COGS ($$4,500.00) = $4,539.00 total non-processing costs.
Step 3: Determine Store Net Monthly Profit
Net Take-Home=$9,936.00 / month (3.76% fee drag)

Shopify Plan Rates & Upgrade Breakeven Thresholds

Plan TierMonthly CostOnline Card Rate3rd-Party Gateway FeeOptimal Volume Range
Basic Shopify$39 / mo2.9% + $0.302.0% surchargeUnder $15,000 / month
Shopify Plan$105 / mo2.6% + $0.301.0% surcharge$15,000 – $110,000 / month
Advanced Shopify$399 / mo2.4% + $0.300.6% surchargeOver $110,000 / month

Frequently Asked Questions

What are Shopify's plan prices and transaction fee rates in 2026?
Shopify offers three primary monthly subscription tiers: (1) Basic Plan: $39/mo with online credit card rates of 2.9% + $0.30; (2) Shopify Plan: $105/mo with credit card rates of 2.6% + $0.30; and (3) Advanced Plan: $399/mo with credit card rates of 2.4% + $0.30.
What is Shopify's third-party payment transaction fee?
If you use Shopify Payments as your primary payment gateway, Shopify charges 0% additional transaction fees. If you choose an external third-party gateway (such as standalone PayPal or Authorize.net), Shopify assesses an extra penalty fee of 2.0% on Basic, 1.0% on Shopify Plan, and 0.6% on Advanced Plan on top of your gateway's standard fees.
When should I upgrade from Shopify Basic to the Shopify Plan or Advanced Plan?
Upgrading makes economic sense when lower credit card processing fees save more money than the higher monthly plan cost. Generally, when your monthly store revenue crosses $15,000 to $20,000, upgrading to the $105/mo Shopify Plan saves money. When revenue exceeds $110,000/mo, upgrading to Advanced saves money.
Does Shopify refund processing fees on customer returns?
No. When you issue a full or partial refund to a customer, Shopify does not return the credit card processing fee (2.4% to 2.9% + $0.30) that was charged during the original transaction.

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