Seller fees, refinance savings & settlement estimates — accurate rates, no sign-up.
Sell the exact same $100 item everywhere. Here's what actually lands in your pocket:
Same item, same price — a $10.80 gap between best and worst. Most sellers never do this math. See the full fee breakdown →
Etsy's "6.5%" isn't the whole story. With payment processing and listing fees stacked, your real cost is about 9.5% + $0.45 per sale — still usually cheaper than eBay, but not what the headline says.
1% can be worth $5,000 a year. On a $300,000 loan, refinancing from 8% to 6.5% saves around $419 every month. That's the power of the break-even test — run yours.
Never settle before you finish treatment. Once you accept an insurance offer, the claim is closed forever — even if new bills arrive later. Check if your offer is fair first.
Every week, millions of people Google things like "paypal fee calculator" or "should I refinance my mortgage" — and land on tools with outdated rates, hidden affiliate agendas, or answers copied from 2019. The Calcfolio exists to be the opposite of that.
We cover three moments when getting the numbers wrong actually costs you:
Rates are verified against official sources before publishing, math is tested, and estimates are always labeled as estimates. No account, no email capture, no selling your data — here's who we are and what these tools can't do.
See exactly what marketplaces and processors take from every sale.
Standard, cards, international & micropayments. Reverse calculator included.
Calculate →Final value fees by category, per-order fees & net profit.
Calculate →Listing, transaction & payment fees, offsite ads impact.
Calculate →Online, in-person, international & ACH. Reverse calculator included.
Calculate →Borrow smarter — compare loans and find your break-even.
Estimate claim values before the insurance company tells you.
In-depth, human-written guides that go beyond the calculators.
How these claims are really valued, what moves the number, and how to check your offer.
Read the guide →Real 2026 numbers side by side — plus the Etsy offsite-ads trap new sellers miss.
Read the guide →The 1% rule, the break-even test that matters more, and when refinancing is a mistake.
Read the guide →Every rate on this site is verified against official sources before publishing — PayPal, eBay, Etsy, Stripe and Freddie Mac — with the verification date shown on each page. Math is tested, formulas are displayed, and estimates are always labeled as estimates. No account, no email capture, no selling your data. See our disclaimer and about page.