Patreon Income Calculator – What Your Pledges Actually Pay You
The total on your Patreon page and the amount that reaches your bank account are two different numbers, and the distance between them is not one fee but a stack of them applied in sequence. This Patreon income calculator walks that stack in order: gross pledge revenue first, then the platform fee, then the processing fee charged on every single transaction, then anything taken on the way out. The bar at the top of the tool is that chain drawn to scale, so you can see where each unit of currency stops rather than reading one net figure and taking it on trust.
How the fee stack works
The order matters, because each step is applied to what the step before it left behind. For a tier with n patrons pledging p each:
gross = n × pplatform fee = gross × platform%processing fee = n × (p × processing% + fixed)net = gross − platform fee − processing fee − payout fee
The platform fee is a percentage of what your patrons pledge — it is the plan you are on, and it scales cleanly with your revenue. The processing fee is charged per successful transaction, and it has two parts: a percentage of the pledge plus a flat amount. The payout fee, where one applies, comes off what survives the first two, typically when money is moved or converted into your own currency. Because every one of those rates depends on your plan, your country, your currency and sometimes the size of the pledge, the calculator asks you for them rather than assuming them. The values it opens with are round placeholders so the example reads clearly; replace them with the figures from your own account.
Why cheap tiers are hit hardest
The flat part of the processing fee is the reason a membership can grow while the payout barely moves. A percentage fee costs the same proportion of every pledge; a flat fee does not. Using the placeholder rates of 8% platform and 3% plus $0.30 per charge, that flat amount alone is 30% of a $1.00 pledge and only 2% of a $15.00 one — before any percentage is taken.
Run those rates over an illustrative membership of 150 patrons at $1.00, 80 at $5.00 and 25 at $15.00. Patrons pledge $925.00 a month; $746.75 arrives, an effective take rate of 19.3%. Inside that, the $1.00 tier nets $0.59 per patron while the $15.00 tier nets $13.05 — not fifteen times as much, but 22.1 times, because the flat fee is charged once per patron regardless of what that patron pledges. The per-tier bars in the tool are drawn by net contribution for exactly this reason: a headcount tells you how popular a tier is, not what it is worth.
Why net is never the pledge total
Three habits of thought inflate a creator’s expectations. The first is reading the pledge sum as income, which ignores the stack entirely. The second is applying one blended percentage to everything — that works for the percentage fees but silently erases the flat per-charge component, and so overstates a cheap-tier membership by the most. The third is treating an annual figure as a forecast: twelve times this month assumes nobody cancels, nobody joins and no rate changes, which is why the annual view in this tool is labelled an estimate rather than a projection.
The goal-seek panel runs the same arithmetic backwards: what one more patron at a given pledge is worth after every fee, divided into the shortfall and rounded up. When a pledge nets nothing after fees the division is refused rather than fudged — no quantity of a tier that costs more to collect than it pays will reach a target.
Getting the rates right
The most reliable way to calibrate this tool is to work backwards from a payout you have already received. Divide what arrived by what your patrons pledged that month, compare it with the effective take rate shown here, and adjust the fee fields until the two agree. At that point the patrons-needed figure becomes something you can plan against.