Buy Me a Coffee Fee Calculator
Buy Me a Coffee takes a 5% platform fee plus Stripe processing (~2.9% + $0.30) and a 0.5% payout fee — about 8.4% + $0.30 blended. On a $5 coffee that is roughly $0.72 in fees (net ~$4.28). Memberships can add another 0.5% subscription surcharge.
Not financial advice. These calculators use published fee schedules with last-verified dates. Providers change rates and apply custom pricing — confirm on the official provider site before setting prices or filing taxes. This site is not affiliated with Stripe, PayPal, Square, Venmo, Cash App, Zelle, Patreon, Ko-fi, Buy Me a Coffee, Gumroad, Shopify, or Wise.
Buy Me a Coffee tips, memberships, and shop fees.
Key takeaways
- Default schedule (Standard (platform + Stripe + payout est.)): 8.40% + 0.30 USD
- On $100.00 charged: fee $8.70, net $91.30
- To receive $100.00: charge about $109.50
How to use this Buy Me a Coffee fee calculator
- Pick standard or membership estimate.
- Calculate fee on amount or reverse to a net goal.
- Read sources in the fee table before you launch a campaign.
How it’s calculated
fee = amount × percent + fixed; reverse as (net + fixed) ÷ (1 − percent).
Worked check on the default schedule: charge $100.00 → fee $8.70 → net $91.30. Reverse: to keep $100.00, charge about $109.50.
Worked example: $5 support
At ~8.4% + $0.30: fee ≈ 5 × 0.084 + 0.30 = $0.72; net ≈ $4.28.
Buy Me a Coffee fee schedules we track
| Schedule | Percent | Fixed | Currency | Last verified | Source |
|---|---|---|---|---|---|
| Standard (platform + Stripe + payout est.) 5% platform + Stripe ~2.9% + $0.30 + 0.5% payout ≈ 8.4% + $0.30. Intl +1%, subscriptions +0.5% may apply. | 8.40% | 0.30 USD | USD | Official page | |
| Memberships (platform + Stripe + sub + payout est.) 5% + 2.9% + 0.5% subscription + 0.5% payout ≈ 8.9% + $0.30. | 8.90% | 0.30 USD | USD | Official page |
Each row’s source link is the official page I checked on the date shown (RealFeeCalc-style “checked on pricing page” verification).
Support buttons vs memberships
One-off “coffee” tips and recurring memberships behave differently at scale. Memberships can add a 0.5% subscription processing surcharge. Use the calculator on your average tip and on your monthly membership ARPU before you promise net funding goals publicly.
Compare adjacent platforms
If you are choosing between Buy Me a Coffee, Ko-fi, and Patreon, line up the same $5 and $10 examples in each tool. Feature fit (shop, memberships, posts) may matter more than a half-point of fees, but you should know the fee gap explicitly.
Tips for pricing with Buy Me a Coffee
- Itemize platform vs Stripe vs payout when comparing to Ko-fi or Patreon.
- Memberships compound monthly — small fee differences matter at scale.
- International supporters can add ~1% more.
Common mistakes
- Quoting only the 5% platform fee and ignoring Stripe + payout.
- Quoting supporters a gross goal without fee drag.
- Ignoring regional processing differences.
Buy Me a Coffee for creators
Buy Me a Coffee optimizes for lightweight tipping and memberships. Platform percent plus processing means a $3 tip does not net $3. Use reverse pricing when you announce funding goals (“help me reach $500 net this month”) so public totals match your bank account.
FAQ
What is the Buy Me a Coffee fee percentage?
5% platform + Stripe ~2.9% + $0.30 + 0.5% payout (≈8.4% + $0.30 blended). Intl +1% and subscriptions +0.5% may apply. See BMAC’s help article on calculating charges.
How do chargebacks work on Buy Me a Coffee?
Disputes can reverse a support and may include processor fees. Keep delivery records for shop and membership products, and read BMaC’s chargeback help article before large launches.
Are memberships priced the same as one-off coffees?
Platform percent is the same 5%, but subscriptions can add 0.5% processing. Model ARPU × patron count, not only a single $5 tip.
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Formula
fee = amount × percent + fixed; reverse as (net + fixed) ÷ (1 − percent).
Sources
- Buy Me a Coffee — Memberships (platform + Stripe + sub + payout est.) . Used for: 8.90% + 0.30 USD. Checked .
Estimates only; published rates change and custom pricing may differ. Not financial advice. Not affiliated with Stripe, PayPal, Square, Venmo, Cash App, Zelle, Patreon, Ko-fi, Buy Me a Coffee, Gumroad, Shopify, or Wise. Found an error? Tell me.
Calculator version 1.0 · fee data 2026.11.07 · Fee changelog