Estimate take-home from paid subscribers with monthly or annual billing, plus optional failed-payment and refund sensitivity.
Model what a paid newsletter keeps after Substack's platform fee and Stripe's processing and billing stack.
Variables
750 paid subscribers at $10 monthly
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Estimated monthly take-home $4,587.
Detailed chart and extended metrics are in the section below.
This reflects Substack’s 10% fee plus Stripe card processing and recurring billing fees for US-based pricing assumptions, with optional failed-payment and refund sensitivity.
Compare
Dashed line = current live result
300 paid subscribers at $8 monthly
750 paid subscribers at $10 monthly
2,000 paid subscribers at $12 annualized
Deep dive
Compared against this page's default preset.
Difference between low and high estimate bands.
Formula
This calculator keeps Substack's 10% platform fee separate from Stripe's card and billing fees so you can see the full fee stack.
The default view uses US card-processing assumptions and recurring billing.
Annual pricing is shown as a monthly-equivalent take-home for planning consistency.
Drivers
Related
FAQ
Because most income planning questions are monthly. The calculator still surfaces the per-billing-cycle take-home as a second metric.
It is optimized for paid newsletters, but the fee logic is useful for any recurring paid Substack product.