PayoutMath
UK · 2026

What you actually take home after fees and tax.

Honest UK earnings calculators for sellers, creators, and side-hustlers. Etsy, eBay, Vinted, Spotify, DistroKid, YouTube, HMRC self-assessment — all in one place.

Platform fees 11 calculators

What's left after Etsy, eBay, Vinted, Depop, Patreon and other platforms take their cut.

  • Etsy fees

    All five UK fee layers plus VAT — see your real take-home, not Etsy's headline rate.

  • Vinted profit

    Vinted has no seller fees — work out your real margin after sourcing, packaging and bump costs.

  • Depop fees

    Selling fee was removed July 2024 — only payment processing remains. See your real take-home.

  • eBay fees

    Private sellers (zero fees on most categories) vs business (category FVF + performance + VAT) — full picture.

  • PayPal fees

    PayPal commercial transaction fees by region and type — including the £0.30 fixed-fee penalty.

  • Stripe fees

    Real net per Stripe transaction by card region — UK / EEA / International.

  • Amazon FBA fees

    Referral + fulfilment + storage + VAT combined. Q4 storage premium handled. Profit per unit visible.

  • Shopify fees

    Shopify UK plan + transaction fees. Shopify Payments vs external comparison.

  • Square fees

    Square UK: 1.75% in-person, 2.5% manual, 1.4% + £0.25 online. No monthly fee.

  • Wise fees

    Wise UK Business currency conversion fees by pair.

  • FB Marketplace

    Facebook Marketplace UK: free pickup, 5% delivery. Take-home maths.

UK tax 9 calculators

Trading allowance, side-hustle tax, multi-platform aggregation, MTD eligibility — Scottish bands included.

  • Trading allowance

    Tax-free threshold for casual self-employed income — work out if you owe tax and which method saves more.

  • Side hustle tax

    Stack your side income on top of your PAYE, apply marginal rates, add Class 4 NI. Scotland-aware.

  • Multi-platform aggregator

    Combine income from up to 9 platforms — see total UK tax + per-platform contribution.

  • MTD eligibility

    Mandatory from April 2026 — check whether you're affected this year and when the thresholds drop catches you.

  • OnlyFans tax

    Platform takes 20%, then HMRC takes income tax + NI. Real take-home calculator.

  • Take home pay

    Real net PAYE salary after income tax + NI. Scotland-aware. 2025/26 bands.

  • Net ↔ Gross

    Reverse-calculate gross self-employment income for any net target. Freelance day-rate planning.

  • NI calculator

    Class 1 + Class 4 NI owed across PAYE + self-employment income. 2025/26 rates.

  • CGT calculator

    Real CGT after £3k AEA, with income-band stacking. Shares, crypto, second properties, BAD relief.

HMRC reporting rules 1 calculators

The £1,700 / 30-item rule explained: when platforms have to tell HMRC about you (and when they don't).

  • HMRC reporting checker

    The £1,700 / 30-item rule that triggers HMRC reporting — separate from whether you owe tax.

Streaming royalties 3 calculators

What Spotify, Apple Music, DistroKid actually pay you per stream — by country, in GBP, after distributor cut.

  • Spotify royalties

    Real per-stream payout factoring country mix, Discovery Mode, distributor cut, and the 1,000-stream threshold.

  • Apple Music royalties

    Apple Music pays ~2.85x Spotify per stream — the highest of any major DSP excluding Tidal.

  • DistroKid payout

    DistroKid takes 0% of royalties — only the £18/yr flat fee. Estimate your real net across all major DSPs.

Creator earnings 19 calculators

YouTube RPM, TikTok Creator Rewards — UK rates, after platform cut, in your pocket.

  • YouTube RPM

    RPM by niche, country, content type. YPP eligibility check included.

  • TikTok Creator Rewards

    Real RPM after the Creator Fund was replaced. Eligibility check + per-region rates.

  • Patreon fees

    Plan-based platform fees plus processing — the small-charge penalty hits sub-£3 tiers hardest.

  • ROAS calculator

    Real ROAS, breakeven floor, and target ROAS for sustainable ad spend. Etsy/Pinterest/Meta/Amazon Ads.

  • Substack fees

    10% platform fee + Stripe processing. Real net per subscription, with the small-tier penalty visible.

  • Twitch revenue

    Subs (50/50, 60/40, 70/30), bits, ads — combined creator revenue estimate.

  • CPM calculator

    Cost per 1,000 impressions with UK benchmarks across Meta, Google, YouTube, programmatic.

  • CPC calculator

    Cost per click with UK benchmarks across Google, Meta, LinkedIn.

  • CTR calculator

    Click-through rate with platform benchmarks across Search, Display, Meta, email.

  • CPA calculator

    Cost per acquisition for performance marketing. Compare to LTV and gross margin.

  • Conversion rate

    Conversion rate with UK benchmarks across e-commerce, SaaS, B2B lead gen.

  • Gumroad fees

    Gumroad's 10% + Stripe processing on UK creator sales.

  • Ko-fi fees

    Ko-fi take-home: 0% on tips, 5% on shop sales (free account), 0% on Gold.

  • BMaC fees

    Buy Me a Coffee take-home: 5% platform + Stripe processing.

  • Bandcamp fees

    Bandcamp's 10%/15%/0% (Friday) fees + payment processor on UK artist sales.

  • App Store

    Apple's commission across small business, standard, subscription tiers.

  • Google Play

    Google Play commission tiers for UK developers.

  • Steam fees

    Steam revenue share tiers for game developers (30% / 25% / 20%).

  • itch.io fees

    itch.io's developer-set platform fee + processing.

Postage 2 calculators

Royal Mail Click & Drop, Evri ParcelShop — by weight, with current 2026 prices.

  • Royal Mail rates

    Right service for your weight, with Click & Drop discount applied. Tracked options included.

  • Evri vs Royal Mail

    Side-by-side cost & delivery time. Evri wins on price for parcels; RM wins on speed and small letterbox items.

Print on demand & KDP 4 calculators

Margin and break-even maths for Printful, Amazon KDP and similar.

  • Printful profit

    Real POD margins after base cost, shipping, platform fees, and VAT. Breakeven price included.

  • KDP royalties

    35% or 70% royalty for ebooks. Paperback print cost + 40% Amazon take. Real per-copy income.

  • ACX/Audible royalties

    Audible royalties: 40% exclusive vs 25% non-exclusive. Narrator royalty share. Production cost.

  • Findaway

    Findaway's 20% cut on multi-platform audiobook distribution.

Pricing & VAT 4 calculators

Margin, markup, VAT and net-of-fee pricing for UK sellers.

  • Margin

    Profit margin and markup % from cost and revenue. The difference matters — both shown.

  • Markup

    Markup % from cost and selling price. Includes the matching margin %, so you can see both views.

  • Margin + VAT

    Profit margin including VAT effects. Different maths for VAT-registered vs non-registered.

  • VAT

    Add or remove VAT — standard 20%, reduced 5%, or zero-rated. Both directions.

Earnings goals 5 calculators

How much do you need to earn to quit your job? Reverse calc from take-home target.

  • Earn-to-quit

    Capstone calc: gross self-employment income to replace your day-job take-home, with expenses and Class 4 NI factored in.

  • Hourly → Salary

    Convert hourly rate to annual salary. Standard 37.5-hr UK full-time week. Compare offers.

  • Pay raise

    % raise → new salary, annual increase, monthly net bump.

  • Overtime

    Overtime pay at 1.5× or 2× rate. Combine with regular hours for weekly total.

  • FIRE calculator

    Years to financial independence. Based on annual spend, savings, return rate. 4% rule.

Why this site

Built by someone who actually uses these platforms

Sources cited, dates verified

Every fee and tax band links to the official source. Every page shows when the data was last verified and when it'll next be reviewed.

No email walls, no signup, no ads

Free, instant, mobile-first. No cookie banner because we don't set cookies. Plausible-grade analytics, fully GDPR-clean.

Proper UK maths

VAT on fees. Scottish tax bands. Trading allowance. Class 4 NI. The £1,700/30-item HMRC platform reporting threshold. The bits other calculators get wrong.