Ko-fi Fee Calculator: Free vs Gold Fees

The payment

Work out

Payment amount

Ko-fi fee

Free accounts pay 5% on shop sales, memberships, commissions and monthly tips.

Ko-fi fee rate

Payment processor

Percentage fee

Fixed fee

International card (+1.5%)With Stripe, the card was issued outside your country.

Where the $100.00 goes

What you keep against what Ko-fi takes.

You keep$91.80
Ko-fi and the processor take$8.20
Of every $100 you charge, you keep$91.80

Ko-fi fees

You receive

$91.80

From a $100.00 payment

Ko-fi fee: $8.20
Effective rate: 8.2%
You charge: $100.00
You keep: $91.80

Fee breakdown
Part of the fee	Amount
2.9% of $100	$2.90
Fixed fee	$0.30
Ko-fi fee (5%)	$5.00
Total fee	$8.20

Defaults are Ko-fi's fees as of November 2026: 5% on shop sales, memberships, commissions and monthly tips on a free account, 0% on one-off tips with the “Get all of Ko-fi” setting off, and 0% on everything with Gold at $12 a month. Stripe or PayPal take their own fee on top, at their standard US rates here.

Free Ko-fi Fee Calculator by Hiyaly