Inputs
Start with the baseline defaults, then adjust mode, payment type, and processor assumptions until the model resembles your actual setup.
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Ko-fi Fee Calculator | Ko-fi 수수료 계산기
Estimate what a Ko-fi creator actually keeps after Free vs Contributor mode, payment-type-specific service fees, processor fees, refunds, and optional FX drag. Then reverse the math to see how many successful payments or what average payment size you need to hit a target net income.
Planning posture: this is a decision tool, not a billing statement. Ko-fi service fees differ by mode and payment type, while processor fees are separate and editable because your real rates can vary by country, currency, and account setup.
Snapshot
Gross volume
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Total fees
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Net take-home
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Effective fee rate
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Refunded volume
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Net charge volume
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Ko-fi service fee rate
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Ko-fi service fee total
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Processor variable fee
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Processor fixed fee total
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FX fee total
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Take-home per transaction
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Required successful transactions
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Required average payment
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Recurring caveat: Ko-fi notes that some older recurring Stripe payments can keep prior service-fee behavior after mode changes. Treat this as a planning model for future pricing decisions, not a reconstruction of legacy recurring cohorts.
Free vs Contributor comparison
Free net take-home
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Contributor net take-home
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Contributor minus Free
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Better mode
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Copy-ready summary
Does Ko-fi take the same fee on every payment type?
No. In this model, Ko-fi Free assumes 0% service fee on one-off tips and crowdfunding goals, but 5% on monthly tips, memberships, shop sales, and commissions. Contributor mode uses 5% across the listed payment types.
Are Stripe or PayPal fees included in Ko-fi’s service fee?
No. Processor fees are separate. This calculator keeps them editable because the real percentage and fixed fee can vary by processor, region, account setup, and currency.
Why is there a recurring caveat for memberships and monthly tips?
Ko-fi warns that some older recurring Stripe payments may keep prior fee behavior after mode changes. That makes historical reconciliation messy, so this tool focuses on planning and forward-looking decisions instead.
Does this calculator include tax, VAT, or GST?
No. This first slice only models service fees, processor fees, refunds, and optional FX drag. Treat it as a take-home estimator rather than tax or accounting advice.