Shopify Fee Calculator
See your true per-order and monthly Shopify cost — subscription, processing, surcharges, and apps — plus which plan is actually cheapest at your volume.
Written by Dorothy Ibrahim, 10+ years in banking & finance
Loading calculator…
How we calculate this
This calculator totals what Shopify actually costs you each month — the plan subscription, payment processing on every order, the third-party-gateway surcharge most sellers miss, international-card and currency-conversion adders, and app spend — then expresses it as an effective take-rate on your revenue. It also compares all three plans at your volume and shows the sales level where upgrading becomes cheaper.
The formulas
- Per-order processing cost (Shopify Payments)
- average order value × plan rate + fixed fee (Basic 2.9% + 30¢, Grow 2.7% + 30¢, Advanced 2.5% + 30¢)
- Per-order cost (third-party gateway)
- average order value × (gateway's own rate + Shopify surcharge) + gateway's fixed feeThe surcharge is 2.0% (Basic), 1.0% (Grow), or 0.6% (Advanced), charged ON TOP of what your gateway already takes.
- International / currency adder per order
- average order value × (1.0% × share of intl-card orders + 1.5% × share of converted orders)Weighted across all orders, so the per-order figure is an average.
- Total monthly cost
- plan subscription + per-order cost × orders per month + monthly app spend
- Effective take-rate
- total monthly cost ÷ (average order value × orders per month)
- Break-even GMV between plan tiers
- subscription difference ÷ processing-rate differenceAbove this monthly sales volume, the higher plan’s lower rate pays for its higher subscription.
Worked example
- Say you are on Basic ($39/mo, billed monthly) with a $60 average order value, 300 orders/month, Shopify Payments, and $100/month of apps.
- Per-order processing = $60 × 2.9% + $0.30 = $1.74 + $0.30 = $2.04.
- Monthly processing = $2.04 × 300 = $612, so the total is $39 + $612 + $100 = $751/month.
- On $18,000 of monthly sales that is a 4.17% effective take-rate — inside the typical 4–6% range (rule of thumb).
- At the same volume Grow would cost $781/month ($105 + $1.92 × 300 + $100) and Advanced $1,039 — Basic is still the cheapest plan.
- The break-even is ($105 − $39) ÷ (2.9% − 2.7%) = $33,000 of monthly GMV for Basic → Grow, and ($399 − $105) ÷ (2.7% − 2.5%) = $147,000 for Grow → Advanced.
Rates, benchmarks & sources
- Plan prices ($39/$105/$399 monthly; $29/$79/$299 billed annually), online processing rates (2.9%/2.7%/2.5% + 30¢), third-party surcharges (2.0%/1.0%/0.6%), +1.0% international-card and +1.5% currency-conversion fees — shopify.com/pricing (verified July 2026)
- Typical all-in Shopify take of 4–6% of revenue — a heuristic band, not a Shopify-published figure — Rule of thumb
Figures current as of 2026-07-02. See our methodology & editorial standards for how constants are versioned and verified.
What this tool doesn’t model
- Platform fees change frequently — the schedule here was verified against shopify.com/pricing in July 2026; always check the current pricing page before making a plan decision.
- Models online card rates only; in-person (POS) rates, Shopify Plus custom pricing, and B2B rates differ.
- Treats the international-card and currency-conversion surcharges as weighted averages across orders, not per-transaction line items.
- App spend is whatever you enter — it does not look up your actual app subscriptions, and it ignores themes, domains, and shipping-label costs.
- The plan comparison assumes your order volume and AOV stay the same on every plan; it does not model plan-specific features like better shipping discounts.
Frequently asked questions
Why does using a third-party payment gateway cost extra on Shopify?
Shopify adds its own surcharge on top of whatever your gateway charges: 2.0% on Basic, 1.0% on Grow, and 0.6% on Advanced (per shopify.com/pricing, verified July 2026). So a 2.9% gateway on Basic really costs 4.9% per order. The calculator shows this extra as a separate line so you can see what switching to Shopify Payments would save at your volume.
When is it worth upgrading from Basic to Grow or Advanced?
The higher plans trade a bigger subscription for a lower processing rate, so there is a break-even sales volume where the upgrade pays for itself. The tool computes it live from the current fee schedule: subscription difference ÷ rate difference. At the July 2026 rates with Shopify Payments that lands around $33,000/month of GMV for Basic → Grow and $147,000/month for Grow → Advanced, but the calculator recomputes it from your own payment setup.
What is a normal effective take-rate for a Shopify store?
As a rule of thumb, stores typically land at 4–6% of revenue once subscription, processing, and apps are added up — that is a heuristic, not a Shopify-published number. Below 4% is lean; above 6% usually means a low average order value (the fixed 30¢ bites harder on small orders), a third-party gateway surcharge, or heavy app spend.
Are these Shopify fees still current?
The fee schedule in this tool was verified against shopify.com/pricing in July 2026, and the page shows the verification date. Platforms change fees, sometimes mid-year, so treat the output as an estimate and confirm the current numbers on Shopify’s pricing page before committing to a plan or gateway change.
Why do low-priced products get hit harder by fees?
The fixed 30¢ per transaction is the same whether the order is $15 or $150, so on a $15 order it alone is 2% of revenue before the percentage rate even applies. Stores with low average order values often improve their take-rate more by raising AOV (bundles, minimums, upsells) than by switching plans.
Related calculators
themoneysheet provides educational estimates, not financial, tax, or legal advice. Figures use published rates and formulas current as of the date shown, but your situation may differ. Consult a qualified professional (CPA, attorney, or licensed advisor) before making financial decisions.