Use this free Ko-fi fee calculator to compare Ko-fi Free and Standard mode for your tips, shop sales, and memberships, including an estimate of PayPal or Stripe fees.
Ko-fi Fee Calculator
Uses Ko-fi’s Help Center fees (checked October 2026). Ko-fi Free: 0% on one-off tips and goals, 5% on everything else. Standard: 5% on everything. Add your monthly income to see Ko-fi’s fee and what you keep.
Processing fees vary by account, location, and currency; Ko-fi says they are usually around 3% + $0.30. Ko-fi Gold is $12/month for new users; check your Ko-fi settings for how service fees apply to your account.
Ko-fi Fees at a Glance
| Income | Ko-fi Free | Standard |
|---|---|---|
| One-off tips | 0% | 5% |
| Goals | 0% | 5% |
| Monthly tips | 5% | 5% |
| Memberships | 5% | 5% |
| Commissions | 5% | 5% |
| Shop sales | 5% | 5% |
Both modes cost $0 a month. PayPal and Stripe fees apply on top. Learn the full setup in our lesson on how to sell on Ko-fi.
Ko-fi Fee Calculator FAQ
How much does Ko-fi take from a $10 shop sale?
Ko-fi’s service fee is 5%, or $0.50. PayPal or Stripe usually take around 3% + $0.30 on top.
Are Ko-fi tips free?
On Ko-fi Free, one-off tips and goals have a 0% Ko-fi fee. On Standard mode, they cost 5%.
How much is Ko-fi Gold?
Ko-fi says Gold is $12 a month for new users, on a monthly plan only.