Ko-fi vs Gumroad: fees and what you keep
Ko-fi leaves more at every volume up to 1,000 sales a month, at $10 each. With 100 sales of $10 a month you keep $929 on Ko-fi Gold and $791 on Gumroad, $1,656 a year more on Ko-fi. Of each sale, Ko-fi takes 5% on Free and Standard and nothing on Gold ($12 a month); Gumroad takes 10% + $0.50 (5% after $20,000 a month); processing comes on top.
Who leaves more as sales grow
- $5: Ko-fi leaves more at every volume up to 1,000 sales a month.
- $10: Ko-fi leaves more at every volume up to 1,000 sales a month.
- $25: Ko-fi leaves more at every volume up to 1,000 sales a month.
- $50: Ko-fi leaves more at every volume up to 1,000 sales a month.
From 1 to 1,000 sales a month, each platform on whichever of its plans open to new sign-ups leaves the most at that size; US payments, payout fees left out.
What you keep a month
| Sales a month | Ko-fi | Gumroad |
|---|---|---|
| 10 of $5 $50 | $43 Free | $35.50 |
| 100 of $5 $500 | $443 Gold | $355 |
| 1,000 of $5 $5,000 | $4,538 Gold | $3,550 |
| 10 of $10 $100 | $89.10 Free | $79.10 |
| 100 of $10 $1,000 | $929 Gold | $791 |
| 1,000 of $10 $10,000 | $9,398 Gold | $7,910 |
| 10 of $25 $250 | $227.70 Gold | $209.70 |
| 100 of $25 $2,500 | $2,385 Gold | $2,097 |
| 1,000 of $25 $25,000 | $23,958 Gold | $21,220 |
| 10 of $50 $500 | $470.50 Gold | $427.50 |
| 100 of $50 $5,000 | $4,813 Gold | $4,275 |
| 1,000 of $50 $50,000 | $48,238 Gold | $44,250 |
After each one's subscription, cut, payment processing and any fee on recurring payments; bold marks the larger.
Other kinds of payment
| 100 a month of | Ko-fi | Gumroad |
|---|---|---|
| Membership payments of $10 | $929 Gold | $791 |
| Membership payments of $25 | $2,385 Gold | $2,097 |
Every fee side by side
| Ko-fi | Gumroad | |
|---|---|---|
| Subscription a month | None (Free), None (Standard), $12 (Gold) | None |
| Cut of membership payments | 5% (Free), 5% (Standard), None (Gold) | 10% + $0.50 (5% after $20,000 a month) |
| Cut of sales | 5% (Free), 5% (Standard), None (Gold) | 10% + $0.50 (5% after $20,000 a month) |
| Payment processing | 2.9% + $0.30 | 2.9% + $0.30 |
| Payments from outside the US | None listed | None listed |
| Recurring payments | None listed | None listed |
| Currency conversion | None listed | None listed |
| Payouts | Ko-fi pays nothing out itself: payments go straight to your own PayPal or Stripe account, and it charges no payout fee. | Gumroad names no fee for bank payouts; PayPal payouts cost 2% and instant US payouts 3% on up to $10,000. You need a $100 balance for a regular payout. |
Plans open to new sign-ups. “None listed”: the platform's pages we read state no such fee.
In their own words
Ko-fi: “Ko-fi Free - Pay 0% on one-time tips.” “A flat 5% service fee applies to anything else, such as shop items, memberships, monthly tips, and commissions.” “PayPal and Stripe take their normal transaction fees, which will vary based on the type of account, location, and currencies used, but it's usually around 3% + $0.30.”
Gumroad: “For sales made on Gumroad's website, we charge a 10% + $0.50 fee + sales tax per transaction. This does not include: Credit card processing (2.9% + $0.30) PayPal fees” “Sales made through Gumroad's marketplace (discovery sales via Gumroad.com) are subject to a flat 30% fee, which includes all processing fees.”
Ko-fi or Gumroad: quick answers
Is Ko-fi or Gumroad cheaper?
For sales: at 10 sales of $5 ($50), Ko-fi leaves $43 against $35.50 on Gumroad, $90 a year more; at 100 sales of $10 ($1,000), Ko-fi leaves $929 against $791 on Gumroad, $1,656 a year more; at 1,000 sales of $50 ($50,000), Ko-fi leaves $48,238 against $44,250 on Gumroad, $47,856 a year more. That's each platform's cut, payment processing and any subscription or fee on recurring payments, each on its best plan for that month, before payout fees.
How much do Ko-fi and Gumroad take from a $10 sale?
Ko-fi Gold takes $0.59 (5.9%) plus $12 a month and Gumroad takes $2.09 (20.9%), at 100 sales a month on each one's best plan.
Which is better for membership payments, Ko-fi or Gumroad?
On fees, Ko-fi: 100 membership payments of $10 a month leave $929 on Ko-fi Gold and $791 on Gumroad. Per membership payment: Ko-fi Gold takes $0.59 (5.9%) plus $12 a month and Gumroad takes $2.09 (20.9%).
Do Ko-fi and Gumroad charge a monthly fee?
Ko-fi has free plans and Gold at $12 a month. Gumroad charges no monthly fee. Both take their cut from each payment as it comes in.
How do Ko-fi and Gumroad pay you out?
Ko-fi pays nothing out itself: payments go straight to your own PayPal or Stripe account, and it charges no payout fee. Gumroad names no fee for bank payouts; PayPal payouts cost 2% and instant US payouts 3% on up to $10,000. You need a $100 balance for a regular payout.
Each in detail: Ko-fi fees, Gumroad fees. Related: Patreon vs Ko-fi, Ko-fi vs Buy Me a Coffee, Whop vs Gumroad, Patreon vs Gumroad, Lemon Squeezy vs Gumroad. Every option ranked: Ko-fi alternatives. All the plans side by side: creator payment platform fees.
Sources: Ko-fi's fees, read on 7 October 2026 and Gumroad's fees, read on 5 October 2026, with the other help pages each fee page lists.
Prices checked against each platform's own pricing page on .