Same sale, four channels. What do you actually keep?
One price through Etsy (with the Offsite Ads toggle), Square in person, Square online, and cash — every rate published, itemized and date-stamped, because a fee calculator with stale rates is worse than none. Everything stays in your browser.
The sale
The numbers here are yours to check. This page does arithmetic on what you type — it cannot see your recipe, your equipment or your batch.
Want it to remember?
In MadeKeeper the fees stop being estimates: the Square sync imports each sale's REAL settled processing fee, Etsy sales carry theirs, and every channel's true net shows up in your event and monthly P&L without a calculator in sight. See for every maker or poke around the live demo. $19/mo for the whole back office, kept for as long as you stay. The shop stays free for cost a piece and one fair — no product cap. The tax packet, Etsy and Square, and more fairs are the $19.
The number your price is actually standing on
Every maker eventually does this math on the back of a receipt — usually after the deposit looked smaller than the sales. The math below is the same math the calculator runs, rates named and dated.
What does Etsy actually take?
On a $40 sale: a 6.5% transaction fee, 3% + 25¢ payment processing, and the 20¢ listing fee — about $4.25, or 10.6% all-in. If Offsite Ads brought the buyer, add 15% (12% for shops over $10k trailing sales, and the program is mandatory above that threshold) — now it is $10.25, better than a quarter of the sale. Neither number makes Etsy wrong; the marketplace finds strangers, which is real work. It makes the PRICE wrong if you set it without knowing the number.
Why does the date on the rates matter?
Because fee schedules move and calculators do not. Every rate on this page was checked against the published pricing pages on the date shown below the results, and when that date is old, the honest move is suspicion — of this page and of every fee calculator that shows no date at all. That is the whole reason the date is printed on the answer instead of buried in a footnote.
What is honestly simplified here?
Three things, stated plainly. Etsy's percentage fees also apply to the shipping you charge the buyer, so a sale with $8 shipping owes fees on $48, not $40. Sales tax collection is its own subject and mostly automatic on both platforms. And other Etsy costs — Etsy Ads you bid on, currency conversion, the occasional regulatory fee — depend on your shop. This page prices the ordinary case exactly and names the rest.
Which channel should I sell on?
All of them are honest answers to different problems. The marketplace's cut buys discovery you cannot make yourself; Square's ~3% buys cards at a booth where cash-only loses sales; direct is free because YOU did the finding. The trap is one price across all channels set as if the fees did not differ — the same $40 nets $40.00, $38.81, or $35.75 depending on where it happened, and your books should know which.