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.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.