Your Whop sale
Fee rates used — edit to match your plan
Default 3% + $0.00 is Whop's platform cut as commonly quoted; your plan, payout method and country may add costs, and some sellers pay processing separately. Put what your own payout report shows. This tool includes no monthly fee unless you enter one as a fixed cost.
Nothing you type leaves this page. No account, no cookies, no tracking.
What you keep
Break-even is the lowest price where you stop losing money. For a file with no per-sale cost, that is $0 — read the target line instead.
The arithmetic of a Whop sale
On the default sale — a $29 digital product with no per-sale cost — Whop's cut is about $0.87 (3.0%) and you keep about $28.13. On the $9 file I sell on Whop myself, the fee is about $0.27 and the net is $8.73. I have not yet had a paid sale there, so I cannot tell you from experience what a payout costs in practice; I can tell you the fee line is the small part of the decision.
1. The platform cut
Whop's fee is commonly quoted at around 3% of the sale, which is unusually low for a marketplace that brings its own checkout and storefront. Some accounts pay processing separately, some plans differ, and payouts and currency conversion can add their own small charges. That is why the two fee boxes above are editable: a 3% default is a starting point, not a quote.
2. Digital goods have no break-even — that is the trap
A file costs you nothing extra to sell, so the break-even price is $0.00 and a target-margin percentage is meaningless: every price clears 30% when there is no cost to cover. The real question is not "does this cover my costs?" but "what will someone pay, and how many will?". Use the target line above, not the break-even line: decide the profit per sale you want and it tells you the price. To clear $10 a sale at 3%, charge $10.31; to clear $20, charge $20.62.
3. The same sale on your own checkout
If you take payments yourself with Stripe at roughly 2.9% + $0.30, the fee on a $29 sale is about $1.14 — $0.27 more than Whop's 3%. On a $9 sale it is about $0.56 versus $0.27. For small digital products a marketplace's percentage-only fee is often cheaper than card processing plus a fixed cent charge, and you do not pay for hosting the checkout. What you give up is the storefront and any buyer trust the platform carries.
4. What this calculator leaves out
Refunded and disputed sales, payout and currency fees, sales tax or VAT that the platform collects and remits, and any affiliate programme you switch on. Affiliate commissions matter: if you offer 30% to affiliates, that comes out of the same sale and can be larger than the platform fee. Put the typical affiliate or ad spend per sale in "ads / affiliate / support".
Pricing a small file honestly
At $9 with a 3% fee you keep $8.73, so a file priced at $9 needs roughly one sale a month to cover a modest hosting bill. That is the whole argument for selling a small tool rather than a subscription: the fee is trivial, the risk to the buyer is one coffee, and the seller only has to be useful once in a while.
Compare 14 channels in one file
The Pro version of my seller calculator is a single HTML file you keep forever:
- 14 channels — Etsy, eBay, Amazon, Shopify, Poshmark, Depop, Mercari, Whatnot, TikTok Shop, Facebook, Gumroad, Whop, Stripe, custom
- An editable fee table that remembers your own real rates
- Batch mode: paste a whole inventory and price it at once, with CSV export
- Works offline, no account, nothing sent anywhere