Know when to upgrade

Subscription break-even calculator

A paid plan can reduce transaction fees, but the lower rate must save more than the subscription costs. Enter both rates and the monthly plan price to find the approximate revenue threshold.

Break-even revenue = monthly plan price ÷ (free rate − paid rate)

Monthly break-even revenue

$1857.14Above this revenue, the 2.10 point fee saving can offset a $39.00 plan.

Worked examples

Check the math before using your own numbers.

Static examples make every included cost and result visible. The calculator above updates instantly for your scenario.

01

5% free plan versus 2.9% paid plan

Free plan fee: 5% · Paid plan fee: 2.9% · Monthly subscription: $39.

Break-even revenue: $1,857.14 per month

Above this revenue, the 2.1 percentage-point saving can offset the subscription before other plan differences.

02

10% free plan versus 5% paid plan

Free plan fee: 10% · Paid plan fee: 5% · Monthly subscription: $29.

Break-even revenue: $580.00 per month

Leave a buffer above the mathematical threshold for refunds, variable sales, and features you may not use.

Common questions

What if both plans have fixed transaction fees?

Use the same expected transaction count for both plans and include the difference in fixed charges. This version focuses on percentage-rate savings and the subscription price.

Should I upgrade exactly at break-even?

Usually not. Leave a buffer for variable revenue, plan changes, and features you may not use.