Same course. Three platforms. Very different take-home.
"Which has the lowest fees?" has no single answer — it flips with your sales volume. This free, offline calculator shows the exact crossover for your price and numbers.
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Low monthly fee vs low per-sale fee
Gumroad charges 10% + $0.50 per sale (plus processing) but no monthly fee — great when you're small, costly at scale. Teachable Builder ($89/mo) and Kajabi ($149/mo) charge 0% transaction fee but a fixed monthly cost — so they only win once you sell enough. The "lowest fees" answer depends entirely on your volume, which is exactly what the break-even tool solves.
Gumroad's monthly fee — but 10% + $0.50 per sale, charged on every transaction.
Teachable Builder & Kajabi transaction fee — offset by an $89 or $149 monthly plan.
Monthly revenue where Kajabi's flat fee starts beating Gumroad's per-sale cut (at $100/course).
The fee breakdown, on a $100 course
Verified 2026 fees. "Monthly net" assumes 20 sales/month at $100, after platform fee, payment processing, and plan cost — pre-tax.
| What you pay | Teachable Builder | Kajabi Starter | Gumroad Direct |
|---|---|---|---|
| Monthly plan | $89 | $149 | $0 |
| Transaction fee | 0% | 0% | 10% + $0.50 |
| Payment processing | 2.9% + $0.30 | 2.9% + $0.30 | 2.9% + $0.30 |
| Net per $100 sale | $96.80 | $96.80 | $86.30 |
| Monthly net @ 20 sales BEST | $1,847 | $1,787 | $1,726 |
| Monthly net @ 3 sales | $201 | $141 | $259 |
At 20 sales/month, Teachable Builder nets most; at 3 sales/month, Gumroad wins. Your real crossover depends on your price — the calculator pinpoints it.
Stop guessing which platform is cheapest
Compare All — 4 platforms, one screen
The same course on Teachable, Kajabi, Gumroad, and Udemy — net per sale, monthly, and annual, side by side. Change price and volume and the winner is badged automatically, so you see exactly where each platform overtakes the others.
Plan break-even charts
See exactly when Teachable Builder beats Starter and when Kajabi's flat fee beats Gumroad's per-sale cut.
Per-sale & monthly net
Toggle billing cycle (monthly vs annual) and watch every plan's true cost recalculate — no hardcoded assumptions.
Annual planner
Forecast 12 months across your chosen platform, with a quarterly tax-reserve schedule.
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Compare & decide
Enter your price and volume, then read which platform nets you the most.
Course Creator Take-Home Calculator
Compare what Teachable, Kajabi and Gumroad actually leave in your pocket — per sale and per month — at your own price and volume. Per-sale fees and fixed monthly costs pull in opposite directions, so the cheapest platform depends on how much you sell. Everything runs in your browser; nothing is sent anywhere.
Udemy traffic mix (advanced) — must total 100%
Assumes Teachable Builder & Kajabi Starter, Gumroad direct sales. The full tool lets you compare every plan & payment method.
This free version compares take-home across 4 platforms. The full Course Creator Calculator adds US tax (self-employment + brackets), multi-course portfolio, annual planner, every plan & break-even, Udemy Business royalties, and charts. One-time payment, 100% offline.
Get the full Course Creator CalculatorCourse platform fee questions
It depends on your volume. Gumroad has no monthly fee but charges 10% + $0.50 per sale (plus processing) — cheap when small, costly at scale. Teachable Builder and Kajabi charge 0% transaction fee but carry monthly plans. At low volume Gumroad usually wins; as volume grows, Teachable Builder or Kajabi pull ahead.
Both Builder and Kajabi charge 0% transaction fee, so it's mostly the monthly plan. Teachable Builder ($89/mo) costs less than Kajabi Starter ($149/mo). Kajabi bundles more marketing and community tools, which may justify its price for some.
10% + $0.50 per transaction on direct sales, with card processing (about 2.9% + $0.30) charged separately. Discover-marketplace sales are a flat 30% that includes processing. No monthly fee.
Kajabi costs the most monthly but charges 0% transaction fee and bundles the most all-in-one tools — it tends to pay off for higher-volume, all-in-one creators. For lowest-fee math at lower volume, Teachable Builder or Gumroad usually win. The calculator shows the exact crossover.
When volume is high enough that the per-sale fee you avoid exceeds the monthly plan cost. Gumroad's 10% + $0.50 is cheaper than Kajabi Starter below roughly $1,400/month revenue; above that, Kajabi wins. The break-even tool computes it for your price.
Only on the entry Starter plan (7.5%). Builder and Growth charge 0% — you pay processing (about 2.9% + $0.30) plus the monthly plan.
Yes — a one-time download, no subscription, no account, 100% offline. Your numbers never leave your device.
Per sale, both deduct only card processing, so a $97 course nets about $93.89 on either Teachable Builder or Kajabi Starter. The gap shows up on the Monthly net line: Kajabi Starter costs $149/month versus Teachable Builder's $89, so Kajabi's monthly total lands $60 lower at the same volume.
Yes. Alongside Teachable, Kajabi and Gumroad, it also shows Udemy at its blended 97% / 37% / 25% revenue share. On a $97 sale at the default traffic mix Udemy nets about $69.65 — usually the lowest of the four, unless you bring most of your own buyers.
The card outlined in green has the highest Monthly net at your current price and sales, with all fees and any fixed monthly cost already subtracted. Change 'Sales per Month' and the winner can switch, because a subscription platform only pulls ahead once its monthly fee is earned back.
Yes. Every per-sale figure already bakes in 2.9% + $0.30 card processing. Gumroad's 10% + $0.50 platform cut is charged on top of that processing, while Teachable Builder and Kajabi Starter add only processing per sale — their real cost is the monthly subscription instead.
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Find the platform that actually keeps you the most
Compare Teachable, Kajabi, Gumroad and Udemy net of every fee, and see the exact volume where each one wins. All offline, all private.