CCreatorTake
CreatorTake › Ko-fi Fee Calculator

Ko-fi Fee Calculator

Ko-fi takes 0% on tips — but memberships and shop sales cost 5% on the free plan (0% with Gold). Plus payment processing. See your real take-home. Free, instant, fully editable.

Your Ko-fi income
What you keep
Your take-home
$0
$0
Gross
$0
Total fees
0%
You keep
Ko-fi's free plan takes 0% on tips and 5% on memberships, shop and commissions. Ko-fi Gold ($6/mo) drops that to 0% — worth it above roughly $120/mo of fee-bearing income. Payment processing (PayPal/Stripe, ~2.9% + $0.30) always applies. No payout or buyer fees. Estimate only.

More creator calculators

Buy Me a CoffeePatreonGumroadSubstack

Know your numbers before the platform does

Join the CreatorTake newsletter — payout changes, monetization tips, and new calculators. No spam.

How Ko-fi fees work (2026)

Ko-fi is one of the most creator-friendly platforms on fees:

IncomeFree planKo-fi Gold ($6/mo)
Tips / donations0%0%
Memberships5%0%
Shop / Commissions5%0%

Payment processing (PayPal or Stripe, ~2.9% + $0.30) always applies on top — that's a payment-network cost, not Ko-fi's. If your fee-bearing income tops ~$120/month, Ko-fi Gold's $6 pays for itself.

Rates as of 2026; verify on Ko-fi's pricing page.

Frequently asked questions

Does Ko-fi really take 0%?

On tips/donations, yes — 0% platform fee on the free plan. Memberships, shop and commissions are 5% on free (0% with Gold). Payment processing (~2.9% + $0.30) always applies regardless.

Is Ko-fi Gold worth it?

If you earn more than about $120/month from memberships/shop/commissions, the 5% you'd save beats Gold's $6/month. Below that, stay on free.

Ko-fi vs Buy Me a Coffee?

Ko-fi is 0% on tips (vs Buy Me a Coffee's 5% on everything), which makes Ko-fi cheaper for tip-led creators. Compare with our Buy Me a Coffee calculator.