Free tool
Creator fee calculator
See what each platform really costs per month. Platform fees, plan prices and payment processing, using rates from official pricing pages (checked Nov 2026).
*Stan and Payhip charge processor fees separately; we assume Stripe’s standard US card rate (2.9% + $0.30). Gumroad direct sales add card processing on top of 10% + $0.50 (5% + $0.50 above $20k/month). Lemon Squeezy and Kit figures are their published all-in rates.
How the maths works
- Substack 10% + Stripe 2.9% + $0.30 per payment + 0.7% Stripe Billing.
- beehiiv Lite monthly plan price for your list size (from $59 at ≤1,000 subscribers, billed monthly) + Stripe 2.9% + $0.30; 0% beehiiv take.
- Kit Free 3.5% + $0.30 per payment, all-in, up to 10,000 subscribers.
- Ghost Publisher $29/mo (billed yearly, 1,000 members) + Stripe; 0% Ghost fee.
- Skool Hobby $9 + 10%; Pro $99 + 2.9%.
Figures are estimates for US card payments and exclude taxes, currency conversion, refunds and disputes. Always confirm on the vendor’s pricing page. Official sources. SubstackbeehiivKitGhost (Ghost(Pro))GumroadPayhipStan StoreLemon SqueezySkool.
Substack feesbeehiiv vs SubstackPayhip vs GumroadSkool pricing