Gumroad vs Payhip Profit Calculator

Use your current sales profile to see whether Payhip Free, Plus, or Pro beats Gumroad — and whether the switch pays back. This tool is built for digital-product creators who care more about take-home than platform marketing copy.

Public pricing used here: Gumroad = 10% + $0.50 direct, 30% Discover. Payhip = Free 5%, Plus $29 + 2%, Pro $99 + 0%. Processor fees remain separate on Payhip. This is a planning model, not accounting advice.

Inputs

The key knob is Gumroad Discover share. The higher that share, the easier it is for Payhip to win even after processor fees and monthly plan fees.

Average order value (USD)

Monthly orders

Refund rate (%)

Gumroad Discover share (%)

Modeled as both order share and recognized-revenue share.

Payhip processor preset

Custom processor rate (%)

Custom fixed fee / order (USD)

One-time migration cost (USD)

Gumroad net

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Best Payhip net

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Best Payhip plan

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Monthly delta

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Annual delta

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Payback period

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Economics snapshot

Recognized revenue after refunds

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Gumroad fees

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Gumroad effective fee rate

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Best Payhip fees

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Best Payhip effective fee rate

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Payhip plan matrix

Plan	Total fees	Net	Delta vs Gumroad	Payback	Break-even gross

Exportable summary

Verified against public pricing pages on 2026-03-27. Break-even gross is directional planning math, not a guarantee.