Etsy Fees Calculator 2026: Listing, Transaction and Payment Fees

Disclosure: some links below are affiliate links, which means I may earn a commission at no extra cost to you.

As of November 2026, a typical US Etsy sale costs a $0.20 listing fee, a 6.5% transaction fee on the item price plus shipping, and a 3% + $0.25 payment processing fee, which works out to about 9.5% of the order plus $0.45 before any advertising. Offsite Ads add 15% of the order (12% once your shop passes $10,000 in sales over the prior 365 days), capped at $100 per attributed order. This page gives you the full fee table, a formula, four worked examples with the arithmetic shown, and a plain look at when a marketplace stops making sense. I wrote it at Ecommerce Paradise for sellers who use Etsy as a channel and for store owners deciding whether to build their own site.

Every rate below comes from Etsy’s own policy and help pages, which I read in November 2026 (links in each section). Etsy changes fees and policies, so treat this as a snapshot and confirm the numbers in your Shop Manager before you price a product. The examples are illustrations with stated assumptions, not predictions of your results.

Etsy Fees at a Glance (as of November 2026)

This table is the short version for a seller with a US bank account. The sections after it explain each line and what it is calculated on.

The fee rules come from Etsy’s Fees and Payments Policy, which showed a last-updated date of October 5, 2026 when I read it. The 3% + $0.25 rate comes from a separate payment processing fees help page, because the main policy page points to it instead of listing the US rate.

The Etsy Fee Formula

Here is the formula I use for any US order. It is not an official Etsy formula, just the pieces Etsy’s pages describe, put in one line:

Total fees = $0.20 + (6.5% x (item price + shipping charged)) + (3% x (item price + shipping + sales tax) + $0.25) + Offsite Ads fee, if the order is attributed

Offsite Ads fee = the lower of (15% or 12% x (item price + shipping)) and $100.

Net before your costs = (item price + shipping) – total fees. Subtract your product cost and your postage to get profit.

Three details trip people up:

• The transaction fee applies to the shipping you charge, so offering “free shipping” does not remove the fee. It just moves the shipping into the item price, where the fee still applies.
• The payment processing fee applies to sales tax as well, which means you pay 3% on money that is not yours to keep.
• A multi-quantity listing renews at $0.20 after each item sells, so a listing that sells five units costs more in listing fees than one that sells once.

Listing Fees

The listing fee is $0.20 per item listed, charged when the listing is published or renewed. Etsy charges it whether or not the item sells, with one exception: a private listing is charged only when it sells. Listings expire after four months, and with auto-renew on, you pay another $0.20 at each four-month renewal until you turn it off.

As an illustration, a shop with 200 active listings that all renew pays 200 x $0.20 = $40 every four months in listing fees, or about $10 a month, as of November 2026. Etsy’s policy page says Pattern-only listings do not carry the fee.

Transaction Fee

The transaction fee is 6.5% of the price you display plus the amount you charge for shipping and gift wrapping. For US sellers it does not apply to sales tax. If you offer personalization that adds to the price, the added amount is part of the displayed price, so the same fee applies to it.

On a $50 item with $5 shipping, the base is $55 and the fee is $55 x 0.065 = $3.575, which rounds to $3.58. Because the base includes shipping, a seller who raises shipping charges to protect margin is also raising the fee.

Payment Processing Fee

For a seller with a US bank account, Etsy’s help page lists the payment processing fee as 3% + $0.25 per order. It is taken from the total sale price, including shipping and any applicable sales tax. Sellers in other countries pay different rates; for example, the same page lists 4% + 0.30 EUR for several European countries and 4% + 0.20 GBP for the UK. The main policy page says rates depend on the location of your bank account.

The currency conversion fee is separate. Etsy’s policy page says sellers who list in a currency different from their payment account currency pay 2.5% of the sale amount. Etsy recommends listing in your payment account currency to avoid it. The payment processing help page I loaded did not mention a conversion fee, so rely on the policy page for that one.

Offsite Ads Fees

Offsite Ads are the fee sellers most often underestimate. Etsy advertises your listings on other sites, and if a buyer clicks one of those ads and orders within 30 days, you pay a fee on that order. Here are the rules from the policy page as of November 2026:

• The standard fee is 15% of the total order amount, which includes the displayed price, shipping and gift wrap. For US sellers it does not apply to sales tax.
• The fee drops to 12% once your shop has $10,000 or more in sales over the prior 365 days. Etsy checks this on the first of each month, and once you qualify the 12% rate applies for the life of the shop, even if sales later fall.
• Below $10,000 you can opt out. Once you reach $10,000, participation is required.
• The fee on any one attributed order cannot exceed $100.
• If the last click before the order was on an Etsy Ad, only the Etsy Ads fee applies, not the Offsite Ads fee.

The $100 cap matters for expensive products. At 15%, an order reaches the cap at $666.67 (100 / 0.15), and at 12% it reaches the cap at $833.33 (100 / 0.12). Above those amounts, a bigger order does not pay a bigger Offsite Ads fee.

Etsy Ads, Plus and Other Charges

Etsy Ads are the on-site promotion product. You set a daily maximum budget that cannot be exceeded, and the policy page says it must be at or above a minimum set by Etsy, but the dollar amount is not shown on the page I loaded. Etsy Plus costs $10 a month and, per the policy page, includes 15 listing credits (shown as $3) and $5 in Etsy Ads credits each cycle, which expire at the end of the cycle. At those values, the subscription returns $8 of credits for $10, so the net cost is $2 if you would have used all of them anyway.

Other items the policy page mentions:

• A one-time set-up fee may apply at onboarding. The page says it is non-refundable once paid and may be waived in promotions, but it does not state the amount. Check the amount at sign-up.
• Shipping labels bought through Etsy depend on carrier, origin, destination, weight and dimensions, and add-ons like signature confirmation and insurance cost extra. The page shows no flat rates.
• Instant transfer for US sellers may carry a fee shown at the time of the transfer. The amount is not shown on the policy page.
• A regulatory operating fee applies in certain countries and varies by country. The policy page does not list the rates.

Fees not covered by your payment account balance are due within 15 days of your monthly statement. If you do not pay, Etsy may charge your card on file or suspend your selling privileges. AutoBilling is optional and charges your card for outstanding fees on the first of the month or when the balance reaches your threshold.

Etsy Payments Reserves and Holds

Etsy can place a reserve on your payment account. Per Etsy’s payment account reserve page, a reserve holds back a percentage of each new sale of a physical item so the funds are not available for deposit within the normal timeframe. Digital sales are not held. Etsy says reserves exist to cover possible chargebacks, refunds and other unexpected charges.

The page lists these risk factors:

• A sudden sharp increase in orders or refunds
• Orders that often lack tracking information or tracking events
• Orders that are not shipped on time
• Making your first sale on Etsy
• Receiving a notice of counterfeit or intellectual property infringement

The percentage and the holding time are not fixed on the page; they vary by account and show in your payment account. For most sellers the reserve is removed within 90 days, though Etsy can extend it if there are fulfillment or policy concerns. Adding tracking that shows the order in transit releases the reserved funds right away, and Star Sellers do not have a reserve placed on their shop. Funds become available at 6pm Eastern on the release date.

For cash flow, this means a new seller should assume some of the first sales will not reach the bank quickly. If you buy stock or pay a supplier before the customer’s money is available, budget for that gap. Setting up the legal entity and a separate business account early, as I describe in business formation for high-ticket dropshipping, keeps these payouts and the tax records clean.

Four Worked Examples

These are examples with stated assumptions for a US seller, using the rates in the table above as of November 2026. I computed each one in a script and re-checked the arithmetic by hand. All figures are rounded to the cent.

Example 1: A $50 Item, $5 Shipping, No Ads

Assume the buyer pays $50 for the item, $5 for shipping and $4.40 in sales tax (8% of $55), and no Offsite Ad is involved.

Fees are 10.56% of the $55 you charged for the item and shipping. The sales tax is not yours, so I left it out of the net.

Example 2: The Same Order After an Offsite Ad

Now assume the same order came from an Offsite Ad click and your shop is below $10,000 in trailing sales. The fee is 15% x $55.00 = $8.25, which is under the $100 cap.

Total fees become $5.81 + $8.25 = $14.06, which is 25.56% of $55. Net before costs falls from $49.19 to $40.94. One ad-attributed order costs you more than the other three fees combined, which is why the opt-out choice below $10,000 matters.

Example 3: A $1,200 Item With Free Shipping

Assume a $1,200 item with shipping built into the price and no sales tax, to keep the numbers clean.

Uncapped, 15% of $1,200 would be $180 and 12% would be $144. The $100 cap saves $80 or $44. A percentage-based marketplace fee still takes about $114 to $214 on this order, which is a lot compared with a fixed per-order cost on your own store.

Example 4: A Made-to-Order Product Priced With the Formula

Assume you sell an item you designed that a production partner makes, priced at $60 plus $6 shipping, with a total partner cost (production plus postage) of $34. The fee base is $66.

Without ads, fees are $0.20 + $4.29 + $2.23 = $6.72, so net is $59.28 and profit is $59.28 – $34 = $25.28. With a 15% Offsite Ad, the extra fee is $9.90, fees total $16.62, net is $49.38 and profit is $15.38. The ad-attributed sale earns 39% less profit than the organic one, which I computed as ($25.28 – $15.38) / $25.28.

To work backward from a cost, divide by what remains after the percentage fees. With no ads, the share you keep is 1 – 0.065 – 0.03 = 0.905, and the fixed fees are $0.45. So the zero-profit price on a $34 cost is ($34 + $0.45) / 0.905 = $38.07, and a $10 profit target gives ($34 + $10 + $0.45) / 0.905 = $49.12. If the order is ad-attributed at 15% and under the cap, the share you keep is 0.755, so the $10 target price becomes $58.87. This assumes shipping is already inside the price and no sales tax, so adjust for your own case.

Etsy’s Rules on Dropshipping and Resale

For anyone who teaches or practices dropshipping, the fee table is the smaller question. The bigger one is whether you are allowed to sell the product at all. Etsy’s Creativity Standards (last updated June 10, 2025 when I read them) say every listing must fall into one of four categories:

• Made by a seller: physical items you make by hand or with your own tools, including items produced on a computerized tool like a 3D printer from your original design.
• Designed by a seller: your original designs that a third party produces, or digital downloads. Production partners must be disclosed.
• Handpicked by a seller: vintage items at least 20 years old, natural items you found or cultivated, and themed gift baskets you assembled.
• Sourced by a seller: craft supplies, party supplies and buyer-personalized items produced by a production partner.

The page says that most other resold merchandise is not permitted, and it lists examples that do not qualify, such as ready-to-use resold clothing, electronics and general-purpose furniture. Etsy’s production partners help page goes further. A production partner is a business that physically makes items from your original designs. White label, OEM and ODM manufacturers do not qualify, and neither do retailers and wholesalers that sell ready-made products for resale. The page says that using such businesses to source products breaks Etsy’s reselling policy and can lead to penalties up to account suspension.

My reading is that the classic dropshipping model, where you list a supplier’s catalog product and the supplier ships it, does not fit these rules, and that print-on-demand with your own designs and a disclosed production partner does. I am not a lawyer and I am not Etsy, so read the live pages and ask Etsy support before you build a business on a gray area. If Etsy removes a listing, you can still owe the fees already incurred, as the Creativity page notes. If that has happened to you, my post on what happens next when an Etsy listing gets removed explains the steps.

When to Move Beyond Etsy to Your Own Store

Etsy gives you built-in traffic, and that is worth paying for early. The cost is that a percentage of each order goes to Etsy forever, ads can add 12% to 15% on top, the product rules limit what you can sell, and your shop depends on a platform that can place reserves or remove listings. For a high-ticket seller, the percentages grow with the price tag, as Example 3 shows.

A store on Shopify trades marketplace traffic for control. Here are the plan prices and rates I read on Shopify’s pricing page in November 2026, which showed USD:

The page also showed an offer of 3 days free and then $1 a month for 3 months on most plans, which may change. My full breakdown of every charge is in Shopify fees in 2026. For the plan-by-plan view, read Shopify pricing plans in 2026.

Cost Comparison at Different Volumes

This example compares only the fees named in this article for $100 orders with free shipping and no ads and no tax. On Etsy, each order costs $0.20 + $6.50 + ($3.00 + $0.25) = $9.95. On Shopify Basic with Shopify Payments at monthly billing, each order costs 2.9% x $100 + $0.30 = $3.20, plus the $39 plan.

The break-even at monthly billing is $39 / ($9.95 – $3.20) = 5.8 orders a month. This comparison leaves out the most important variable: Etsy brings buyers, and your own store needs traffic that you pay for with time, content or ads. It also leaves out themes, apps and the Shopify Payments availability for your location. So the table says that fees alone favor your own store quickly, not that your own store will sell as much.

If you sell products that are not allowed on Etsy, such as supplier catalog items, or priced where percentage fees hurt, building your own store is the cleaner path. The model I teach is high-ticket dropshipping, and if you are new to it, start with what high-ticket dropshipping is.

Next, pick products from the high-ticket niches list. Then line up suppliers using the guide on how to find suppliers for high-ticket dropshipping.

Other Places to Sell Besides Etsy

You do not have to choose between Etsy and building everything from scratch. Some sellers run Etsy next to a store they own, using the marketplace for discovery and the store for repeat customers and higher-priced items. My comparison of Etsy alternatives for sellers covers six other places to sell with their fees side by side. The right pick depends on what you sell, because Etsy’s creativity rules decide what is allowed there in the first place.

What I Could Not Verify

These items were not shown on the official pages I loaded, so I do not give numbers for them:

• The one-time set-up fee amount
• The minimum daily Etsy Ads budget
• The instant transfer fee amount
• Regulatory operating fee rates by country
• The reserve percentage and holding period for any specific shop
• Shipping label rates through Etsy

Your Shop Manager and payment account show the figures that apply to you. This article is general information and not tax or legal advice.

How I Would Use This Page Before Listing a Product

1. Confirm the item fits one of Etsy’s four creativity categories.
2. Run the zero-profit price and the target-profit price with the formula, once without ads and once with a 15% Offsite Ad.
3. Compare that price with what similar listings sell for. If you cannot hit your target at the market price, skip the product.
4. Decide whether to opt out of Offsite Ads, if your shop is below $10,000 in trailing sales.
5. Set a reminder to revisit your own store once a product produces steady volume.

Frequently Asked Questions

What are the Etsy seller fees in November 2026?
For a US seller, the policy and help pages list a $0.20 listing fee, a 6.5% transaction fee on the item price plus shipping and gift wrap, and a 3% + $0.25 payment processing fee on the total sale including shipping and sales tax. Offsite Ads add 15%, or 12% for shops with $10,000 or more in sales over the prior 365 days, capped at $100 per attributed order.

How do I calculate Etsy fees on an order?
Add $0.20, then 6.5% of item price plus shipping, then 3% of item price plus shipping plus sales tax plus $0.25, and add the Offsite Ads fee if the order was attributed to an ad. For a $50 item with $5 shipping and $4.40 tax, that is $0.20 + $3.58 + $2.03 = $5.81 in fees.

Can I opt out of Etsy Offsite Ads?
Etsy’s policy page says shops below $10,000 in sales over the prior 365 days can opt out. Once a shop reaches $10,000, participation is required, and the fee drops from 15% to 12% for the life of the shop.

Does Etsy allow dropshipping?
Etsy’s pages do not use the word dropshipping on the Creativity Standards. They limit resold items to a few categories and say that sourcing from retailers, wholesalers, or white label, OEM or ODM businesses breaks the reselling policy and can lead to penalties up to suspension. Production partners are allowed only for items you designed or buyer-personalized items you sourced, and they must be disclosed. Read the live policy and ask Etsy support if you are unsure.

Why is Etsy holding my money?
Etsy may place a payment account reserve on physical-item sales, with risk factors including a first sale, a sudden jump in orders or refunds, missing tracking and late shipping. Most reserves are removed within 90 days, adding tracking that shows the order in transit releases funds, and Star Sellers do not have a reserve placed on their shop. The percentage and timing show in your payment account.

Related Articles

If you are weighing marketplaces, fees and your own store, these posts go deeper on the same decisions:

• Etsy Alternatives for Sellers in 2026: 6 Places to Sell Compared by Fees and Fit
• Shopify Fees in 2026: Every Charge, Rates by Plan and Real Examples
• Shopify Pricing Plans in 2026: Which Plan Do You Actually Need?
• Stripe Fee Calculator 2026: What You Keep on Every Payment
• PayPal Fee Calculator 2026: What You Keep on Every Sale

Trevor Fenner

Trevor Fenner is an ecommerce entrepreneur and world traveler from Seattle, Washington, and the founder of Ecommerce Paradise, a platform focused on helping entrepreneurs build and scale profitable high-ticket ecommerce and dropshipping businesses. With over a decade of hands-on experience, Trevor specializes in high-ticket dropshipping strategy, niche and product selection, supplier recruiting and onboarding, Google & Bing Shopping ads, ecommerce SEO, and systems-driven automation and scaling. Through Ecommerce Paradise, he provides free education via in-depth guides like How to Start High-Ticket Dropshipping, advanced training through the High-Ticket Dropshipping Masterclass, and fully done-for-you turnkey ecommerce services for entrepreneurs who want a faster, more hands-off path to growth. Trevor is known for emphasizing sustainable, real-world ecommerce models over hype-driven tactics, helping store owners build scalable, sellable, and location-independent brands.

He maintains homes in Seattle and Bali, spends most of the year overseas, and usually returns to Seattle for about a month each summer.

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