Planning math for Substack paid subscriptions. Official (updated Dec 16, 2025): 10% of each transaction + card 2.9% + $0.30 per transaction + billing 0.7% recurring as of July 2024. Default first paint: 10 × $10 = $100, 10 payments → platform $10, card $5.90, billing $0.70, KEEP $83.40. Grandfather 0.5% ended Jun 30 2025 — do not default it. Not affiliated. Planning only.
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USD
Keep after 10% + 2.9%+$0.30/txn + 0.7% billing
$83.40
Official 10% + 2.9%+$0.30/txn + 0.7% billingYou type subscribers, tax
How much do you keep on 10 × $10 = $100 recurring?
Default first paint: KEEP $83.40. Official updated Dec 16, 2025: 10% of each transaction + card 2.9%+$0.30 per transaction + billing 0.7% recurring as of July 2024. Platform $10. Card 10 × ($0.29+$0.30) = $5.90. Billing $0.70. KEEP = 100 − 10 − 5.90 − 0.70 = $83.40. Grandfather 0.5% ended Jun 30 2025 — not the default. Planning only. Not affiliated with Substack.
Is grandfather 0.5% still default?
No. It ended Jun 30 2025. Do not default it. A you-type preset can set billing to 0.5%.
Is this Patreon?
No. Different stack from Patreon keep. Not affiliated.