Financial Tools

Product Pricing Calculator

Marketplace and card fees come off the selling price, not off your cost, so the fee grows every time you raise the price. This solves for the price that leaves the margin you actually want.

Your cost per unit

Materials and Labour

Shipping and Packaging (if you pay it)

Other Cost Per Unit

Fees taken off the sale price

Marketplace Fee (percent of price)

Listing or Fixed Fee (per sale)

Card Rate (percent of price)

Card Fixed Fee (per sale)

What you want out of it

Target Profit Margin (percent of price)

Units Sold Per Month

Fixed Monthly Overhead (rent, tools, subscriptions)

Values shown are examples. Edit them to match your situation.

See your full report

Pricing Breakdown

List Price	$0
Fees Per Sale	$0
Profit Per Unit	$0
Actual Margin	$0
Markup On Cost	$0
Break Even Volume	$0
Monthly Profit	$0

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For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.

Card fees are half the equation. See what you actually pay.

Compare two processing rate cards on the effective rate at your own ticket size.

Compare card rates

How this is worked out

Cost plus a markup never reaches a target margin, because the marketplace and the card take a percentage of the selling price. Raise the price and the fee rises with it. The price has to be solved for, not multiplied up.

price = (unit cost + fixed fees) divided by (1 minus the fee rate minus the target margin). Fixed fees are the listing charge and the fixed part of the card charge, which do not move with the price.

Margin and markup are different numbers and sellers confuse them constantly. Margin is profit over price, markup is profit over cost. A 50% margin is a 100% markup.

Break even volume divides fixed monthly overhead by profit per unit: the number of sales that pay the rent before anything is yours.

Margin against markup, the same profit stated two ways
What a sale nets after card fees

Questions people ask

Why can I not just add 40% to my cost?

Because that gives a 40% markup, not a 40% margin, and it ignores the fee the channel takes off the selling price. On a marketplace charging 6.5% with a card at 2.9% and 30 cents, cost plus 40% leaves you under 25%.

Should shipping go in the cost?

If you pay it, yes. If the buyer pays it separately and the channel passes it through, leave it out, but remember most channels charge their fee on the shipping too.

What margin should I aim for?

It depends on the category and on how much of your time each unit takes. Handmade sellers commonly work to 40% or 50%, resellers to far less on much higher volume. The useful test is whether profit per unit times realistic monthly volume covers your overhead.

The price it gives is above what competitors charge.

Then one of three things is true: your cost is higher, your channel is more expensive, or that margin is not achievable in that category. The fix is on the cost or the channel side, and the calculator will not hide the gap.

Do fees really change with the price?

The percentage part does, which is exactly why solving for the price matters. A fee of 9.4% of price plus 50 cents behaves very differently at 15 dollars and at 150.

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