Free tool
What you actually keep per sale
Most profit calculators forget that the platform takes a cut, the processor takes another, and refunds keep the ad spend but return the revenue. This one does not. Fee grids come from each vendor's published pricing, linked and dated.
What you pay in ads per sale.
Leave at 0 if you do not run affiliates.
Fees and fulfilment · adjust if your plan differs
Support, printing, anything variable.
Gumroad · Direct sales. Card processing is included in the 10 percent, so there is nothing to add. Sales that come through Gumroad Discover are charged 30 percent instead. Published rates, checked 2026-07-27.
Break even CPA
$243.04
The most you can pay per sale before you lose money
Break even ROAS
1.22x
Below this return on ad spend you are paying to make sales
Monthly profit
$5,101.33
56 percent margin on kept revenue
Headroom
You have $153.04 of room per sale between what you pay to acquire a customer and the point where the sale stops paying for itself. That gap is what you have to absorb a rising CPA.
Per sale
Your month
Published fee grid · checked 2026-07-27
| Platform | Plan | Platform fee | Processing | Monthly |
|---|---|---|---|---|
| Gumroad | Direct sales | 10% + $0.50 | included | none |
| Hotmart | Standard, product over 15 dollars | 9.9% + $0.50 | included | none |
| Whop | Automated access sales | 5.7% + $0.30 | included | none |
| Skool | Pro, 99 dollars per month | 2.9% | included | $99 |
| Kajabi | Basic, with Kajabi Payments | 2.9% + $0.30 | included | $179 |
| Teachable | Builder, 89 dollars per month | 0% | 2.9% + $0.30 | $89 |
| Systeme.io | Any plan | 0% | 2.9% + $0.30 | none |
| Your own site with Stripe | Standard US card rate | 0% | 2.9% + $0.30 | none |
On refunds, this assumes the worst case for you: the customer gets the money back, you keep neither the revenue nor the fee, and the ad spend is gone. That is how Stripe has worked since 2019 and how most platforms work. If yours returns its fee on a refund, you are slightly better off than the figure above.
Every rate was read off the vendor's own published pricing on the date shown, and each name links back to it. Rates change and plans differ · the fields above are editable for that reason. The Whop row is the least certain: they do not publish a single headline rate, so it is assembled from secondary sources and flagged as such.
Do it by hand
How to price an online course
Your break even depends on your price. This walks through choosing one that leaves room for ad spend.
You know your break even. Now find out what CPA is realistic.
A break even CPA only means something next to what your market actually pays. LaunchSpy shows who is advertising in your niche, how long their ads survive, and what they are selling.