Etsy Fee Calculator for Digital Downloads (Free)
Selling printables, planners, templates or other instant downloads on Etsy? Enter your price to see every Etsy fee on the sale, what you actually keep, what Offsite Ads do to it, and what the same sale would leave you through your own Stripe checkout. Defaults are Etsy's published rates for a US seller; change them if you're elsewhere.
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Etsy fees on common download prices
US seller, no Offsite Ads sale, listing renewal included, sales tax not included. The last column is the same sale through a Stripe checkout on your own site (2.9% + 30¢):
| Price | Etsy fees | Keep on Etsy | Keep on own site |
| $3.00 | $0.73 | $2.27 | $2.61 |
| $5.00 | $0.93 | $4.08 | $4.55 |
| $8.00 | $1.21 | $6.79 | $7.47 |
| $12.00 | $1.59 | $10.41 | $11.35 |
| $17.00 | $2.06 | $14.94 | $16.21 |
| $27.00 | $3.02 | $23.98 | $25.92 |
| $47.00 | $4.92 | $42.09 | $45.34 |
Every Etsy fee on a digital download
- Listing fee, $0.20. Charged when a listing is published and again each time it auto-renews, including after every sale of a multi-quantity listing. For a download that sells over and over, treat it as $0.20 per sale.
- Transaction fee, 6.5% of the price you display. Downloads have no shipping, so it's just the item price.
- Payment processing, 3% + $0.25 for US bank accounts, charged on the full amount the buyer pays. Other countries pay different rates (most of the EU is 4% + €0.30, the UK 4% + £0.20).
- Offsite Ads, 15% or 12%, only on orders that came from an Etsy ad shown off Etsy, capped at $100 per order.
- Currency conversion, 2.5%, only if your listing currency differs from your payment account currency.
Sources: Etsy Fees & Payments Policy and Etsy Help: payment processing fees, both checked October 27, 2026. Etsy can change these; check before you price.
Etsy or your own site?
The fee gap is real but small per sale. The bigger difference is who brings the buyer. Etsy has search traffic; a new site has almost none. Our guide to selling printables outside Etsy covers when it's worth adding your own checkout, and the Stripe fee calculator shows the own-site side in detail. To see how many sales your goal takes at either fee, use the sales goal calculator, and set your price with the price calculator.
FAQ
What are Etsy's fees on a digital download?
For a US seller with no Offsite Ads sale: a $0.20 listing fee (charged again each time a multi-quantity listing renews after a sale), a 6.5% transaction fee on the item price, and Etsy Payments processing of 3% + $0.25. On a $10 download that's about $1.40, so you keep about $8.60. Rates checked on Etsy's own fee pages on October 27, 2026.
Does Etsy charge shipping fees on digital downloads?
No shipping is charged on an instant download, so the 6.5% transaction fee applies to the item price only. The payment processing fee is charged on the total the buyer pays, which can include sales tax Etsy collects.
What is the Offsite Ads fee?
If a sale comes from a click on an ad Etsy ran for your listing off Etsy, you pay an extra 15% of the order (12% if your shop made more than $10,000 in the last 12 months, when the program becomes mandatory). It's capped at $100 per order. Most small digital orders never get near the cap.
Is it cheaper to sell digital downloads on my own site?
Per sale, usually yes: Stripe's US standard rate is 2.9% + 30¢ with no listing fee. But Etsy brings buyers who are already searching, and your own site brings none until you send people there. Many sellers use both: Etsy for discovery and their own checkout for repeat buyers and email subscribers.
I'm not in the US. Does this work?
Change the payment processing fields to your country's Etsy Payments rate (for example 4% + €0.30 in most EU countries or 4% + £0.20 in the UK, per Etsy's help center), and turn on the 2.5% currency conversion fee if your listing currency differs from your bank's. Etsy also charges a regulatory operating fee in some countries, which isn't included.
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