Buy Me a Coffee Fee Calculator | 바이미어커피 수수료 계산기

Estimate what a Buy Me a Coffee creator actually keeps after the headline 5% platform fee, Stripe-style 2.9% + $0.30 processing, 0.5% payout drag, reward fulfillment cost, and optional fixed monthly overhead. Then flip the switch to see how much the “supporters cover card fee” setting changes your net.

Official-baseline planning posture: this v1 starts from Buy Me a Coffee help-center defaults — 5% platform fee, 2.9% + $0.30 card processing, and 0.5% payout processing. Rates stay editable because platform terms, regions, and processor contracts can change.

Payout timing note: Buy Me a Coffee documents that first payouts can take roughly 7–14 days, then later payouts usually move to Stripe in 1–2 business days before landing in your bank in roughly 3–5 business days. This page keeps timing informational only and does not simulate payout calendars.

Inputs

Keep the first slice simple: monthly support count, average support amount, fee defaults, reward cost, and a target net goal. No taxes, inventory, or payout-calendar modeling.

Monthly transactions | 월 거래 수

Average support amount | 평균 후원액

Supporters cover card fee | 서포터가 카드 수수료 부담

Platform fee (%) | 플랫폼 수수료율

Processing rate (%) | 결제 수수료율

Processing fixed fee | 건당 고정 수수료

Payout fee (%) | 정산 수수료율

Reward cost / transaction | 건당 리워드 비용

Other monthly cost | 기타 월 고정비

Target monthly net | 목표 월 순이익

Currency | 통화

Summary language | 요약 언어

Results

Current scenario | 현재 시나리오: —

Creator-priced gross | 기준 후원 총액

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Supporter charge total | 실제 결제 총액

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Take-home before operating costs | 운영비 차감 전 실수령

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Monthly net profit | 월 순이익

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Platform fees | 플랫폼 수수료

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Card processing fees | 카드 결제 수수료

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Payout fees | 정산 수수료

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Reward costs | 리워드 비용

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Effective creator fee drag | 실질 수수료율

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Supporter extra spend | 추가 결제 차액

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Break-even average support | 손익분기 평균 후원액

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Target average support | 목표 달성 평균 후원액

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Net / transaction after all costs | 비용 포함 건당 순이익

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Alternate scenario | 대안 시나리오

Alternate label | 대안 라벨

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Alternate monthly net | 대안 월 순이익

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Delta vs alternate | 대안 대비 차이

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Alternate break-even | 대안 손익분기액

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Alternate target avg support | 대안 목표 평균 후원액

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Copy-ready summary

Ko-fi Gold break-even Creator platform comparator

What changes when supporters cover the card fee?

The calculator reverse-prices the supporter checkout total so that payment processing no longer eats into the creator’s intended support amount. Platform and payout fees still apply to the creator-side base amount in this v1 model.

Does this tool include taxes, VAT, or PayPal-specific paths?

No. This slice deliberately stays narrow. It focuses on platform fee, Stripe-style card processing baseline, payout drag, simple reward cost, and fixed monthly overhead.

Why keep the rates editable?

Because platform policies, processor contracts, and country-level conditions move. The default 5%, 2.9% + $0.30, and 0.5% assumptions are a baseline, not a legal commitment.

How should I use the break-even result?

Treat it as the average support amount you need at the current transaction count to avoid losing money after modeled fees and costs. If the denominator becomes non-positive, the calculator returns N/A instead of pretending the scenario is viable.