The formula — you type every percent
gross = price × units
platform$ = gross × (platform % ÷ 100) + per-sale $ × units
processing$ = gross × (processing % ÷ 100) + processing $ × units
KEEP = gross − platform$ − processing$ − monthly plan$ − tax buffer$
Monthly is a line you type. Official KEEP-per-sale rows on this page use monthly $0. Do not treat a typed monthly as “baked into” Gumroad, Teachable, or Kajabi’s per-sale cut.
Official rows on a $100 US-card sale (fetched 2 Sep 2026)
- Gumroad Direct $86.30 — 10% + $0.50 platform; processing not included (default card 2.9% + $0.30). PayPal fees exist; default the card line, you can change it. No monthly fee. gumroad.com/pricing · help article 66.
- Gumroad Discover $70.00 — flat 30% includes processing. This preset sets processing % and $ to 0.
- Gumroad Direct after $20,000 paid sales in a calendar month: new Direct sales that month are 5% + $0.50 + processing → $91.30. Optional preset, not default. Resets on the 1st.
- Teachable Starter (monthly billed $39, or $29 annual-equivalent you may type) + 7.5% transaction + teachable:pay US card 2.9% + $0.30 → per-sale KEEP $89.30. Monthly is separate, default $0.
- Teachable Builder $89 / Growth $189 — 0% transaction + same processing → per-sale KEEP $96.80. Monthly typed separately.
- Kajabi Basic Payments US card 2.9% + $0.30, platform revenue share 0% → $96.80. Monthly $179 / $143 annual-equivalent is separate. Growth Payments 2.8% + $0.30 → $96.90. Pro Payments 2.7% + $0.30 → $97.00. 3rd-party payment provider (not Kajabi Payments, excludes PayPal): Basic +2%, Growth +1%, Pro +0.5% — type that into platform % if you use it; default 0.
This page does not ship Gumroad Plus/Pro, Teachable Custom Payment Gateway 2%, VAT percents, Apple IAP, or invented Stripe-on-Kajabi-3rd-party math.
Gumroad is Merchant of Record
Gumroad’s pricing page: Merchant of Record since 1 Jan 2025. They collect/remit sales tax in regions they have obligations. This page is not a VAT/GST engine. Tax buffer is a dollar you type.
Where a 0% plan beats Gumroad 10% + $0.50
On a $100 sale, Gumroad Direct platform is $10.50. Teachable Builder and Kajabi Basic Payments take $0 platform (processing still $3.20 on both stacks). Extra saved per sale vs Gumroad = $10.50. Extra monthly ≤ extra saved when units × $10.50 ≥ monthly:
- Teachable Builder $89/mo: 89 ÷ 10.50 = 8.476 → 9 sales of $100.
- Kajabi Basic $179/mo: 179 ÷ 10.50 = 17.048 → 18 sales of $100.
Those monthlies are still not inside the $96.80 per-sale KEEP chips. Type them in extras to count coverage units on the stack you actually use.
What this page is not
- Not affiliated with Gumroad, Teachable, or Kajabi. Confirm on the payout/dashboard.
- Not a VAT/GST engine, not a 50-state tax engine, not Apple IAP.
- Not the Airbnb host keep, landlord keep, seller fees, or YouTube RPM hubs — different stacks.
- Not the homepage freelance rate calculator. Creators who also freelance can still use that floor; this URL is course-platform keep.
- Not a Gumroad-platform CPA offer. Payout rail math lives on Stripe vs Wise — no invented Wise Partnerize URL.
Sources (fetched 2 Sep 2026)
Gumroad pricing
Gumroad help article 66 — fees
Teachable pricing (monthly billed)
Teachable:Pay US card 2.9% + $0.30
Kajabi pricing (JSON-LD + fee table)
FAQ
How much do you keep on a $100 Gumroad Direct sale?
Default first paint: $86.30. Platform 10% + $0.50 = $10.50. Card processing 2.9% + $0.30 = $3.20. KEEP = 100 − 10.50 − 3.20 = $86.30. Monthly $0. Official help article 66. Planning only. Not affiliated with Gumroad.
Why $86.30 on first paint?
Locked default: price $100, units 1, platform 10%, per-sale $0.50, processing 2.9% + $0.30, monthly $0, tax buffer $0. You can replace every input. Not live FX.
What is Gumroad Direct vs Discover?
Direct: 10% + $0.50, processing extra. Discover: flat 30% includes processing (this preset zeros processing) → $70.00 on $100. After $20,000 paid sales in a calendar month, new Direct sales that month are 5% + $0.50. No monthly fee. Gumroad is Merchant of Record since 1 Jan 2025.
Are Teachable and Kajabi monthly plans inside the $89.30 / $96.80 keep numbers?
No. Per-sale KEEP does not bake monthly. Starter $89.30 after 7.5% + processing. Builder and Kajabi Basic Payments $96.80 after processing only. Type monthly ($39 / $89 / $179) as a separate line, default $0. Extras count sales to cover that monthly.
Is this affiliated, a tax engine, or live payout?
Not affiliated with Gumroad, Teachable, or Kajabi. Confirm on the payout/dashboard. Not a 50-state tax engine and not a VAT/GST engine. Tax buffer is a dollar you type. Educational planning only.
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