Shopify Fee Calculator
See your true monthly Shopify cost — subscription plus payment processing — at your exact sales volume, and find out which plan is actually cheapest. Verified July 2026 US pricing.
≈ 167 orders per month
For solo sellers — full online store, 10 inventory locations
Total Monthly Cost
$379
on Basic, billed monthly
Effective Rate
3.79%
of your revenue goes to fees
Full Breakdown
Cost per order
$2.27
Orders / month
167
Yearly cost
$4,548
US pricing verified July 2026 from shopify.com/pricing. Excludes apps, themes, domains, shipping, and taxes on fees. American Express and international cards may carry higher rates. Verify current pricing on shopify.com.
| Plan | Subscription | Processing | Extra fee | Total / month | Effective rate |
|---|---|---|---|---|---|
| Starter | $5.00 | $500 | — | $505 | 5.05% |
| Basic Cheapest | $39.00 | $340 | — | $379 | 3.79% |
| Grow | $105.00 | $320 | — | $425 | 4.25% |
| Advanced | $399.00 | $300 | — | $699 | 6.99% |
Rule of thumb (online, Shopify Payments): Basic wins below ~$33,000/month in revenue, Grow wins from ~$33,000 to ~$147,000/month, and Advanced wins above that — because each upgrade trades a higher subscription for a 0.2% lower processing rate.
How This Calculator Works
Enter your volume
Monthly revenue and average order value — that's all we need to compute your order count and processing fees on every plan.
Pick your setup
Plan, billing cycle, online vs in-person, and Shopify Payments vs a third-party gateway (which adds Shopify's 0.6%–2% transaction fee).
Compare all plans
The comparison table prices every plan at your exact volume and flags the cheapest — including the crossover points where upgrading pays for itself.
How Shopify Fees Work in 2026
Shopify charges two things: a monthly subscription and payment processing on every sale. With Shopify Payments (the built-in processor), there are no additional transaction fees. Verified July 2026 US pricing:
| Plan | Monthly / Yearly billing | Online card rate | In-person rate | Third-party gateway fee |
|---|---|---|---|---|
| Starter | $5 / — | 5% | — | — |
| Basic | $39 / $29 | 2.9% + 30¢ | 2.6% + 10¢ | 2% |
| Grow (formerly “Shopify”) | $105 / $79 | 2.7% + 30¢ | 2.5% + 10¢ | 1% |
| Advanced | $399 / $299 | 2.5% + 30¢ | 2.4% + 10¢ | 0.6% |
| Plus | From ~$2,300 | Custom | Custom | 0.2% |
Source: shopify.com/pricing and shopify.com/starter, verified July 2026. On a $60 online order, Basic costs $2.04 in processing (2.9% × $60 + $0.30), Grow costs $1.92, and Advanced costs $1.80.
When Upgrading Your Plan Actually Saves Money
Each plan upgrade trades a higher subscription for a 0.2 percentage-point lower online processing rate. The math is simple: upgrading pays off when 0.2% of your monthly revenue exceeds the subscription difference.
- Basic → Grow: the subscription costs $66/month more (monthly billing) but saves 0.2% on processing — breakeven at $33,000/month in card revenue.
- Grow → Advanced: $294/month more, breakeven at $147,000/month.
- Starter → Basic:Starter's 5% rate is 2.1 points above Basic's 2.9% + 30¢ — Basic becomes cheaper once you sell roughly $2,000/month (the extra $34 subscription ÷ ~1.7% effective saving).
Two easy wins regardless of plan: pay yearly (saves $120/year on Basic, $312 on Grow, $1,200 on Advanced) and use Shopify Payments — a third-party gateway adds Shopify's 0.6%–2% penalty on top of the gateway's own fees, which almost never wins at small-business volume.
The Full Cost of Running a Shopify Store
Subscription and processing are the big two, but real-world Shopify stores budget for more:
- Apps: most stores run 3–6 paid apps (reviews, email, upsells) at $10–$50 each per month.
- Theme: premium themes are a one-time $180–$400.
- Domain: ~$15–$20/year.
- Currency conversion: selling in foreign currencies through Shopify Payments adds a conversion fee on those orders.
- Chargebacks: disputed charges carry a fee and potential lost inventory.
A store doing $10,000/month on Basic (monthly billing, Shopify Payments, $60 AOV) pays roughly $39 + $340 processing = $379/month, or about 3.8% of revenue — before apps. Keeping total platform costs under 5% of revenue is a healthy benchmark for a small store.
Shopify Store Taxes: What the 1099-K Means for You
If you use Shopify Payments, Shopify issues a federal Form 1099-K when your gross sales exceed $20,000 AND 200 transactions — the threshold restored by the OBBBA in 2025. Several states use lower thresholds (some as low as $600), and if you also collect through PayPal or Stripe, each processor reports separately.
The 1099-K reports gross receipts, not profit. Your taxable income is revenue minus product costs, Shopify fees, apps, shipping, advertising, and other business expenses — reported on Schedule C for sole proprietors and single-member LLCs. Net profit is subject to income tax plus 15.3% self-employment tax, and most store owners should be making quarterly estimated payments.
Frequently Asked Questions
Official References
- Shopify Pricing — shopify.com/pricing
Official plan prices and Shopify Payments rates for Basic, Grow, and Advanced. Verified July 2026.
- Shopify Starter Plan — shopify.com/starter
Official Starter plan pricing: $5/month with 5% transaction fees via Shopify Payments. Verified July 2026.
- IRS: Understanding Your Form 1099-K
Official IRS guidance on 1099-K reporting for e-commerce sellers.
This calculator provides estimates based on Shopify's published US pricing (verified July 2026). Rates vary by country, card type, and negotiated Plus contracts. Shopify can change pricing with notice — always confirm at shopify.com/pricing before committing.
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