How this take-home calculator works
Creators do not get paid gross. Gumroad, Patreon and Substack each take a cut. Stripe adds 2.9% plus 30 cents on a typical US card. Lemon Squeezy and Buy Me a Coffee take their own slice. Spreadsheet math across seven tabs is how people miss failed charges and still quote the flattering number.
This tool does one job: you type last month's gross per platform. It subtracts the typical published fee for that platform. The third figure is estimated take-home — what you kept after those cuts, before tax.
Nothing is uploaded. There is no email gate. If you want the same number updating from live APIs instead of typing it, that is CreatorDash: connect two platforms free, or try the live demo.
Gumroad vs Patreon vs Substack: who takes more?
On a simple 10% story they look the same. They are not. Gumroad Discover can take a much larger share. Patreon changes with plan vintage and whether the fan paid on the web or in-app. Substack's 10% is the platform share; processing often sits on top. Stripe is cheaper per charge if you already run your own checkout — and you do the tax and refunds yourself.
Use the calculator to stack the platforms you actually use, not a hypothetical $29 product on every network. That is the search most creators mean when they type “how much do I take home from Patreon and Gumroad.”
From this page to a live dashboard
The calculator is the honest first screen. CreatorDash is the same question on a timer: hourly sync, fees deducted, churn and failed payments flagged. First 10 creators lock in $9.99/mo forever