How do I calculate loan amortization?

You can calculate loan amortization by determining your monthly payment based on the principal, interest rate, and term, then breaking down each payment into interest and principal portions. Margitrix provides a free Enterprise Loan Calculator that generates full amortization schedules instantly.

How do I calculate my net worth?

Net worth is calculated by adding up all your assets (cash, investments, retirement accounts, real estate, and business equity) and subtracting all your liabilities (mortgages, student loans, car loans, and credit card debt). Margitrix's Net Worth Calculator computes this instantly with multi-currency and benchmark tracking.

How do I estimate my income tax?

Income tax can be estimated by applying your country's progressive tax brackets and deductions to your gross income. Margitrix's Global Tax Calculator supports precise tax rules for 21 countries from 2020 to 2026.

How do I calculate my Etsy profit margin?

To calculate your Etsy profit margin, subtract all fees (listing fee $0.20, transaction fee 6.5%, payment processing ~3%, and any offsite ad fees) plus your cost of goods and shipping from your sale price. Margitrix's free Etsy calculator does this instantly — no signup required.

What fees does Amazon FBA charge?

Amazon FBA fees include a referral fee (typically 8–15% of the sale price), an FBA fulfillment fee based on item size and weight, and optional storage fees. Use Margitrix's Amazon FBA Calculator to get an instant breakdown of all costs and your net profit margin.

Are these calculators free to use?

Yes. All Margitrix calculators — Net Worth, Loan, Tax, Mortgage, Etsy, Amazon FBA, and more — are completely free to use with no signup or account required. All calculations happen instantly in your browser.

Shopify 2026 Tier Pricing

Shopify & Stripe Processing Fee Estimator

Compare payment gateway processing fees, monthly subscription TCO, and effective fee percentages.

⚠️ Results are estimates for informational purposes only. See Disclaimer

Net Profit

$24,086.00

Per sale net cashflow

Profit Margin

96.3%

Gross margin ratio

Gross Revenue$25000.00

Total Expenses$914.00

Effective Fee %3.66%

Est. Transactions500 tx

Cost & Profit Breakdown

Visual Allocation

Subscription Fee$39.00

% Processing Fee$725.00

Fixed Tx Fee (30¢)$150.00

Net Retained Volume$24086.00

Calculator Inputs

Instant Recalculation

Monthly Sales Volume ($)$25000.00

Average Order Value (AOV) ($)$50.00

Select Shopify Plan / Gateway Tier

Ideal for new merchants. 2.9% + 30¢ rates.

Using 3rd-Party Gateway (e.g. External Stripe)?Shopify adds +2% transaction fee penalty

Net Profit

$24,086.00

Per sale net cashflow

Profit Margin

96.3%

Gross margin ratio

Gross Revenue$25000.00

Total Expenses$914.00

Effective Fee %3.66%

Est. Transactions500 tx

Cost & Profit Breakdown

Visual Allocation

Subscription Fee$39.00

% Processing Fee$725.00

Fixed Tx Fee (30¢)$150.00

Net Retained Volume$24086.00

Calculator Inputs

Live Recalculation

Monthly Sales Volume ($)$25000.00

Average Order Value (AOV) ($)$50.00

Select Shopify Plan / Gateway Tier

Ideal for new merchants. 2.9% + 30¢ rates.

Using 3rd-Party Gateway (e.g. External Stripe)?Shopify adds +2% transaction fee penalty

Shopify Payments vs Stripe: Which Payment Gateway Saves Your Store More Money?

Payment processing fees are one of the most quietly expensive operating costs for any online store. For a Shopify merchant doing $50,000/month in revenue, even a 0.3% difference in processing rates equals $150 per month, or $1,800 per year, saved just by choosing the right plan or gateway. This calculator shows you exactly where your money is going and which option maximizes your revenue.

Shopify Payments vs. Stripe: Which Should You Use?

The short answer for most Shopify merchants is: use Shopify Payments. Here's why. If you use external Stripe on Shopify, you pay Stripe's fee (2.9% + $0.30) AND Shopify's 3rd-party transaction penalty (2.0% on Basic, 1.0% on Standard). That means your effective rate on Shopify Basic with external Stripe is up to 4.9% + $0.30 per transaction.

Shopify Payments eliminates the 3rd-party penalty entirely, giving you just the card processing rate (2.9% + $0.30 on Basic). For most stores, this makes Shopify Payments significantly cheaper.

Understanding the Fee Mechanics

Percentage Rate (2.4% – 2.9%): Charged on the gross transaction value. Lower rates unlock at higher Shopify plan tiers (Advanced vs Basic).
Per-Transaction Fixed Fee ($0.30): Flat fee charged per successful transaction. Low AOV products feel a heavier impact from fixed fees.
External Gateway Fee Penalty (0.6% – 2.0%): Assessed by Shopify if you use an external processor instead of Shopify Payments.

When to Upgrade Your Shopify Plan

Each Shopify plan upgrade costs more in subscription fees but unlocks a lower processing rate. The break-even monthly revenue where upgrading pays for itself:

Basic to Shopify Standard ($66/mo upgrade): Break-even at ~$22,000/month revenue (0.3% rate saving covers the plan cost increase).
Shopify Standard to Advanced ($294/mo upgrade): Break-even at ~$147,000/month revenue.

Effective Fee Formula

Total Monthly Expense = Subscription Fee + (Sales Volume × Rate %) + (Orders × $0.30) + (External Gateway Fee if applicable)

Frequently Asked Questions

Shopify Payments is a built-in payment gateway powered by Stripe's backend infrastructure but natively integrated into Shopify. The key advantage: when you use Shopify Payments, Shopify waives its 3rd-party transaction fee penalty (0.6%–2.0% depending on your plan). Using external Stripe directly on Shopify means you pay both Stripe's processing fee AND Shopify's additional transaction surcharge.

Because credit card processors charge a fixed per-transaction fee (e.g., $0.30) in addition to a percentage rate, lower AOV products incur a significantly higher effective percentage fee. A $10 order pays $0.30 flat = 3% extra. A $100 order pays $0.30 flat = 0.3% extra. This is why high-ticket stores feel far less fee pressure per dollar than low-ticket stores.

Upgrade from Basic ($39) to Standard ($105) when your monthly revenue exceeds ~$22,000. At that volume, the 0.3% rate reduction (2.9% to 2.6%) saves more than the $66 plan cost difference. Upgrade from Standard ($105) to Advanced ($399) when monthly revenue exceeds ~$130,000, where the 0.2% reduction becomes worth the $294 plan cost increase.

Yes. Both Stripe and Shopify charge an additional 1.0% to 1.5% fee for processing international credit cards or performing cross-border currency conversion. This is important for stores with a global customer base.

If you use any payment gateway other than Shopify Payments (e.g., PayPal, external Stripe, Braintree, etc.), Shopify charges an additional transaction fee: 2.0% on Basic, 1.0% on Standard, and 0.6% on Advanced. The only way to avoid this penalty is to use Shopify Payments as your primary gateway.

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