What this Shopify fee calculator compares
Shopify charges two different things: the plan subscription and the cost of accepting payment. The subscription changes with the plan and billing cycle. Payment cost changes with the plan, the provider, the card mix, and the country. This calculator puts both into one monthly total so you can compare the all-in cost at your volume, not just the headline plan price.
| Plan | Monthly | Annual, effective monthly | Annual total | Standard online card | Third-party fee |
|---|---|---|---|---|---|
| Basic | $39.00 | $29.00 | $348.00 | 2.9% + 30¢ | 2% |
| Grow | $105.00 | $79.00 | $948.00 | 2.7% + 30¢ | 1% |
| Advanced | $399.00 | $299.00 | $3,588.00 | 2.5% + 30¢ | 0.6% |
| Plus | $2,300.00 | Not listed | — | 2.25% + 30¢ | 0.2% |
Scroll sideways to see the full table.
US examples checked 2026-11-03. Plus starts at $2,300/month and has no annual price listed. The card column is the standard online card rate, not the rate for every card type. Premium cards, international cards, and wallets cost more.
How the monthly estimate is built
The total is subscription plus payment fees plus any extra per-order cost you enter. With Shopify Payments, payment fees are the plan’s card rate times revenue, plus the fixed fee times orders. With a third-party gateway, payment fees are the gateway’s rate and fixed fee plus Shopify’s plan-based third-party transaction fee.
The fixed card fee and the extra per-order cost are the same on every plan, so they raise every total by the same amount. They do not change which plan is cheapest, and they cancel out of the upgrade calculation below.
The upgrade break-even formula
An upgrade pays off when the higher plan’s fee saving is larger than its subscription increase. Because the fixed per-order costs cancel, the comparison is a pure rate difference:
Monthly revenue threshold = (higher subscription − lower subscription) ÷ (lower payment rate − higher payment rate).
Example with US standard card rates and monthly billing: Grow costs $105 and Basic costs $39, a $66 gap. Grow’s card rate is 2.7% and Basic’s is 2.9%, a 0.2 percentage-point gap, or 0.002 as a decimal. $66 ÷ 0.002 = $33,000 in monthly revenue. Below $33,000, the card-fee saving is smaller than the extra subscription.
| Upgrade | Monthly billing | Annual billing |
|---|---|---|
| Basic → Grow | $33,000/mo | $25,000/mo |
| Grow → Advanced | $147,000/mo | $110,000/mo |
| Advanced → Plus | $760,400/mo | $800,400/mo |
Annual billing has a smaller subscription gap, so the first two thresholds fall. The Plus comparison uses Plus’s $2,300 monthly starting price because no annual price is listed, while Advanced uses its annual price; that is why the last annual threshold is higher. A real Plus quote may be higher than $2,300.
Third-party gateways change the rate gap to the Shopify third-party fee difference. The gateway’s own rate is common to every plan and cancels. At the US defaults, the monthly thresholds become $6,600 for Basic → Grow, $73,500 for Grow → Advanced, and $475,250 for Advanced → Plus. Annual billing gives $5,000, $55,000, and $500,250.
Annual vs monthly billing
Annual billing is shown at Shopify’s effective monthly price: $29 for Basic, $79 for Grow, and $299 for Advanced. The annual total is 12 times that price. Annual billing lowers the subscription, so it also lowers the revenue needed to justify an upgrade. It does not change card rates. Plus has no annual price listed, so the calculator keeps Plus at $2,300/month when you select annual billing.
Annual billing is a commitment, not a discount you can reverse monthly. This calculator compares the monthly operating cost; it does not model cash flow, refunds, or a mid-term plan change.
Shopify Payments vs third-party gateways
Shopify Payments orders avoid the third-party transaction fee. The standard US online card rate is 2.9% + 30¢ on Basic, 2.7% + 30¢ on Grow, 2.5% + 30¢ on Advanced, and 2.25% + 30¢ on Plus. Those are not universal: premium cards are 3.5% + 30¢ on Basic, 3.3% + 30¢ on Grow, 3.1% + 30¢ on Advanced, and 2.95% + 30¢ on Plus. International cards add 1%, and PayPal wallet rates start at 3.49% + 49¢. Enter the rates your own mix produces if the default is too optimistic.
A third-party gateway adds its own processing rate and fixed fee, plus Shopify’s plan-based third-party transaction fee: 2% on Basic, 1% on Grow, 0.6% on Advanced, and 0.2% on Plus. The calculator’s 2.9% + 30¢ gateway default is an example, not a Shopify rate. Check your provider’s current pricing and replace it.
Shopify’s Help Center says Shopify Payments orders, Shop Pay, and Shop Pay Installments do not incur third-party transaction fees, and that manual payment methods such as cash or bank transfer do not either. If Shopify Payments is your primary provider, PayPal transactions are exempt from the third-party transaction fee. This calculator assumes all of your entered revenue goes through the one setup you select. A store that splits payments across providers needs a blended rate.
Why the cheapest plan can change with the payment setup
At $20,000 in monthly revenue and 200 orders, the Shopify Payments comparison makes Basic the cheapest plan: $39 + $580 card fees + $60 fixed fees = $679. Grow is $705. Switch to a third-party gateway and Grow becomes cheaper: the 1% Shopify fee gap is $200 on $20,000, which is more than the $66 subscription gap. Basic totals $1,079 and Grow totals $945. The same volume can point to a different plan once the payment mix changes.
Sources:Shopify plans and pricing and Shopify Payments, both checked 2026-11-03.