PayoutMath
US · 2026

What you actually take home after fees and tax.

Honest US earnings calculators for sellers, creators, and side-hustlers. Etsy, eBay, Amazon, Spotify, YouTube, IRS self-employment — all in one place.

US tax 2 calculators

Self-employment tax (Schedule SE), federal income tax, state tax, and the 1099-K threshold checker.

Platform fees 7 calculators

What's left after Etsy, eBay, Mercari, Depop, PayPal, Stripe and other platforms take their cut.

  • Etsy fees

    All five US fee layers plus sales tax — see your real take-home, not Etsy's headline rate.

  • Mercari profit

    Mercari has no seller fees — work out your real margin after sourcing, packaging and bump costs.

  • Depop fees

    Selling fee was removed July 2024 — only payment processing remains. See your real take-home.

  • eBay fees

    Private sellers (zero fees on most categories) vs business (category FVF + performance + sales tax) — full picture.

  • PayPal fees

    PayPal commercial transaction fees by region and type — including the $0.30 fixed-fee penalty.

  • Stripe fees

    Real net per Stripe transaction by card region — US / EEA / International.

  • Amazon FBA fees

    Referral + fulfillment + storage + sales tax combined. Q4 storage premium handled. Profit per unit visible.

Creator earnings & marketing 16 calculators

YouTube RPM, TikTok Creator Rewards, Twitch revenue, plus ad-performance metrics (ROAS, CTR, CPC, CPM, CPA, conversion rate).

  • ROAS calculator

    Real ROAS, breakeven floor, and target ROAS for sustainable ad spend. Etsy/Pinterest/Meta/Amazon Ads.

  • CTR calculator

    Click-through rate with platform benchmarks across Search, Display, Meta, email.

  • Conversion rate

    Conversion rate with US benchmarks across e-commerce, SaaS, B2B lead gen.

  • CPM calculator

    Cost per 1,000 impressions with US benchmarks across Meta, Google, YouTube, programmatic.

  • CPC calculator

    Cost per click with US benchmarks across Google, Meta, LinkedIn.

  • CPA calculator

    Cost per acquisition for performance marketing. Compare to LTV and gross margin.

  • YouTube RPM

    RPM by niche, country, content type. YPP eligibility check included.

  • TikTok Creator Rewards

    Real RPM after the Creator Fund was replaced. Eligibility check + per-region rates.

  • Patreon fees

    Plan-based platform fees plus processing — the small-charge penalty hits sub-$3 tiers hardest.

  • Substack fees

    10% platform fee + Stripe processing. Real net per subscription, with the small-tier penalty visible.

  • Twitch revenue

    Subs (50/50, 60/40, 70/30), bits, ads — combined creator revenue estimate.

  • Gumroad fees

    Gumroad's 10% + Stripe processing on US creator sales.

  • Ko-fi fees

    Ko-fi take-home: 0% on tips, 5% on shop sales (free account), 0% on Gold.

  • CAC

  • LTV

  • LTV:CAC Ratio

Streaming royalties 3 calculators

What Spotify, Apple Music, TuneCore actually pay you per stream — by country, after distributor cut.

  • Spotify royalties

    Real per-stream payout factoring country mix, Discovery Mode, distributor cut, and the 1,000-stream threshold.

  • Apple Music royalties

    Apple Music pays ~2.85x Spotify per stream — the highest of any major DSP excluding Tidal.

  • TuneCore payout

    TuneCore takes 0% of royalties — only the $18/yr flat fee. Estimate your real net across all major DSPs.

Print on demand & publishing 4 calculators

Margin and break-even maths for Printful, Amazon KDP, ACX, Findaway and similar.

  • Printful profit

    Real POD margins after base cost, shipping, platform fees, and sales tax. Breakeven price included.

  • KDP royalties

    35% or 70% royalty for ebooks. Paperback print cost + 40% Amazon take. Real per-copy income.

  • ACX/Audible royalties

    Audible royalties: 40% exclusive vs 25% non-exclusive. Narrator royalty share. Production cost.

  • Findaway

    Findaway's 20% cut on multi-platform audiobook distribution.

Pricing 3 calculators

Margin and markup for sellers — work out the right price from your cost and target profit.

  • Margin

    Profit margin and markup % from cost and revenue. The difference matters — both shown.

  • Markup

    Markup % from cost and selling price. Includes the matching margin %, so you can see both views.

  • Net Profit Margin

Earnings goals 5 calculators

Hourly to salary, pay raise, overtime, and FIRE (Financial Independence, Retire Early) projections.

  • Hourly → Salary

    Convert hourly rate to annual salary. Standard 37.5-hr US full-time week. Compare offers.

  • Pay raise

    % raise → new salary, annual increase, monthly net bump.

  • Overtime

    Overtime pay at 1.5× or 2× rate. Combine with regular hours for weekly total.

  • FIRE calculator

    Years to financial independence. Based on annual spend, savings, return rate. 4% rule.

  • Compound Interest

Why this site

Built by someone who actually uses these platforms

Sources cited, dates verified

Every fee and tax band links to the official source. Every page shows when the data was last verified and when it'll next be reviewed.

No email walls, no signup, no ads

Free, instant, mobile-first. No cookie banner because we don't set cookies. Plausible-grade analytics, fully GDPR-clean.

Proper US maths

Federal tax brackets. FICA caps. Schedule SE deduction. Standard deduction. The 1099-K thresholds. The bits other calculators get wrong.