Fee & cash-flow worksheet
Know what lands in your bank.
Model payment processing, Shopify’s external-gateway transaction fee, app costs, reserves, and a payout delay—without connecting your store.
Monthly inputs
Use the same period for every amount.
Sales volume
before feesPayment costs
enter your actual statement rateAll four rates were confirmed on Shopify's official US pricing page and Help Center on October 20, 2026: Basic 2%, Grow 1%, Advanced 0.6%, Plus 0.2%. If your plan or contract carries a different rate, enter your own.
Payout & cash buffer
scenario, not a predictionResearch basis & caveats
Re-checked against Shopify’s official sources on October 20, 2026. Shopify's official US pricing page and Help Center confirm the third-party transaction fee for each plan: Basic 2%, Grow 1%, Advanced 0.6%, and Plus 0.2%. These fees vary by plan and apply when a sale is processed through a third-party payment provider instead of Shopify Payments.
Shopify pricing pageShopify Help Center: pricing plans and billing overview
Checked October 20, 2026 on the official US pricing page (USD). Confirmed: Basic $39/mo billed monthly ($29/mo billed yearly), Grow $105/mo monthly ($79/mo yearly), Advanced $399/mo monthly ($299/mo yearly), and Plus from $2,300/mo with no annual billing option Verified. The calculator does not deduct your plan subscription automatically—add it under recurring app costs or other fixed fees if you want it in the estimate.
Shopify pricing pageShopify Help Center: Shopify Plus plan
Merchant reports described payouts held for weeks and one case involving a five-figure amount for 10+ days. These are anecdotes, not a typical delay estimate.
Shopify Community threadOne merchant report described a 30% reserve and an inability to see the exact amount held. The calculator uses only the reserve percentage you provide.
Merchant review sourceThe research found repeated complaints about usage billing and post-uninstall charges. No default app cost is assumed here.
Loox 1-star reviewsHow the estimate works
- Eligible sales = gross sales − refunds.
- Estimated processor payout = eligible sales − processor fees − reserve.
- Net cash after entered costs = processor payout − Shopify-billed gateway fee − apps − other costs.
- Projected cash remaining after delay = cash on hand − (monthly outflows ÷ 30 × delay days).
Taxes, chargebacks, shipping, timing differences, and any unentered fees are not included. Validate the result against a real payout statement.
Which plan is cheaper for me?
If you run an external payment gateway, Advanced charges 0.4 percentage points less than Grow on every external sale (0.6% vs 1%) — but the plan itself costs more each month. Which one wins depends on your external sales volume.
The math: monthly fee savings on Advanced = monthly external sales × 0.4%. Subscription difference: $294/mo if you pay monthly ($399 Advanced − $105 Grow), $220/mo if you pay yearly ($299 − $79). Break-even: $294 ÷ 0.4% = $73,500/mo (about $882K/yr) on monthly billing; $220 ÷ 0.4% = $55,000/mo ($660K/yr) on yearly billing. Fee rates and plan prices checked against Shopify's official US pricing page on October 20, 2026. This compares only the external-gateway fee and the plan price — features differ by plan. Not financial advice.
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