Free tool

Substack fee calculator

Substack is free until readers pay you, then it keeps 10% of every payment. Enter your numbers to see what that adds up to in a year, next to the same newsletter on beehiiv and on Kit.

Prices read on October 11, 2026, from each company's own pricing page

Your newsletter

Everyone on your list, free and paid.

How many of them pay you.

What one of them pays a month.

Readers pay you$24,000a year (250 x $8.00 x 12)

On Substack you would pay about $1,260 a year more than on beehiiv.

On Substack you would pay about $2,424 a year more than on Kit.

The beehiiv button is a referral link. We may earn a fee if you sign up through this link. It never changes the facts on this page.

Substack

Free plan, no monthly price

You pay$4,164a year, or $347 a month

You keep $19,836 a year (82.7% of what readers pay)

Substack's 10% fee
$200/mo
Card processing (Stripe)
$133/mo
Stripe recurring billing fee
$14/mo
Free plan
$0/mo

Free to publish at any size. The costs start when readers pay you.

beehiiv

Lite plan, up to 5,000 subscribers

You pay$2,904a year, or $242 a month

You keep $21,096 a year (87.9% of what readers pay)

beehiiv's cut (0%)
$0/mo
Card processing (Stripe)
$133/mo
Lite plan
$109/mo

Paid subscriptions start on the Lite plan. beehiiv takes no cut of them.

Kit

Free plan, no monthly price

You pay$1,740a year, or $145 a month

You keep $22,260 a year (92.8% of what readers pay)

Kit's fee, card processing included
$145/mo
Free plan
$0/mo

Paid subscriptions are on every plan, including the free one up to 10,000 subscribers.

What we assume

  • Every reader pays monthly, so there is one card payment per paying subscriber each month. Annual subscriptions mean fewer payments and fewer 30 cent charges.
  • Card fees use Stripe's published rate for US cards: 2.9% plus 30 cents a payment. International cards and currency conversion cost more.
  • Plan prices are the month-to-month prices. beehiiv and Kit both charge less if you pay for a year up front. No discounts, trials or limited-time offers are counted.
  • beehiiv and Kit price by subscriber count in steps. If your count falls between two steps, we use the next step up.
  • We use the lowest-priced plan that lists paid subscriptions: Lite on beehiiv (Pro above 100,000 subscribers), and Kit's free plan up to 10,000 subscribers (Creator above that). Kit's free plan keeps Kit branding on your emails and has no automations.
  • Substack's help page lists Stripe's 0.7% fee for recurring billing, so we count it for Substack. beehiiv's and Kit's pricing pages list no such fee, so we count none for them. Kit says its 3.5% plus 30 cents already includes card processing.
  • Refunds, chargebacks, sales tax, in-app purchases and Substack's optional $50 custom domain are left out.
  • This compares fees only. It does not say which platform will grow your newsletter.

A worked example you can check

Take 5,000 subscribers, 250 of them paying $8.00 a month. Readers pay $2,000 a month.

  • Substack: Substack's 10% fee $200, plus Card processing (Stripe) $133, plus Stripe recurring billing fee $14, plus Free plan $0. That is $347 a month, or $4,164 a year. You keep $19,836 of the $24,000 readers pay in a year.
  • beehiiv: beehiiv's cut (0%) $0, plus Card processing (Stripe) $133, plus Lite plan $109. That is $242 a month, or $2,904 a year. You keep $21,096 of the $24,000 readers pay in a year.
  • Kit: Kit's fee, card processing included $145, plus Free plan $0. That is $145 a month, or $1,740 a year. You keep $22,260 of the $24,000 readers pay in a year.

On Substack you would pay about $1,260 a year more than on beehiiv.

On Substack you would pay about $2,424 a year more than on Kit.

Where each number comes from

We read these pages on October 11, 2026. Prices change, so confirm on the company's site before you decide. If we have not re-checked within 45 days, this page stops showing figures.

  • Substack help: How much does Substack cost?
    Publishing is free at any size. With paid subscriptions on, Substack keeps 10% of each subscription payment, and Stripe charges 2.9% plus 30 cents per payment for US cards and 0.7% for recurring billing.
  • beehiiv pricing
    Paid subscriptions are listed on Lite and up, with a 0% take rate. You pay Stripe's standard 2.9% plus 30 cents per transaction. Lite covers up to 100,000 subscribers and Pro up to 250,000. The monthly prices here are from the page's subscriber slider.
  • Kit pricing
    Paid newsletters and subscriptions are listed on every plan. The transaction fee is 3.5% plus 30 cents, which includes card processing, so Kit's own share is 0.6%. The free plan covers up to 10,000 subscribers. The monthly Creator prices here are from the page's subscriber slider.
  • Stripe pricing
    2.9% plus 30 cents per successful transaction for domestic cards. Stripe Billing is 0.7% of billing volume on pay-as-you-go.
beehiiv monthly prices by subscriber count
PlanPaid subscriptionsSubscribers up toPrice a month
FreeNo2,500$0
LiteYes1,000$59
LiteYes2,500$79
LiteYes5,000$109
LiteYes10,000$139
LiteYes25,000$199
LiteYes50,000$299
LiteYes75,000$389
LiteYes100,000$469
ProYes1,000$109
ProYes2,500$149
ProYes5,000$199
ProYes10,000$239
ProYes25,000$349
ProYes50,000$469
ProYes75,000$589
ProYes100,000$699
ProYes150,000$799
ProYes200,000$899
ProYes250,000$999
Kit monthly prices by subscriber count
PlanPaid subscriptionsSubscribers up toPrice a month
FreeYes10,000$0
CreatorYes1,000$39
CreatorYes3,000$59
CreatorYes5,000$89
CreatorYes8,000$119
CreatorYes10,000$139
CreatorYes15,000$169
CreatorYes20,000$189
CreatorYes25,000$199
CreatorYes35,000$259
CreatorYes45,000$319
CreatorYes55,000$379
CreatorYes65,000$439
CreatorYes75,000$499
CreatorYes85,000$559
CreatorYes95,000$619
CreatorYes105,000$679
CreatorYes115,000$739
CreatorYes125,000$799
CreatorYes135,000$859
CreatorYes145,000$919
CreatorYes155,000$979
CreatorYes165,000$1,039
CreatorYes175,000$1,099
CreatorYes185,000$1,159
CreatorYes195,000$1,219
CreatorYes205,000$1,279
CreatorYes215,000$1,339
CreatorYes225,000$1,399
CreatorYes235,000$1,459
CreatorYes245,000$1,519
CreatorYes255,000$1,579
CreatorYes265,000$1,639
CreatorYes275,000$1,699
CreatorYes285,000$1,759
CreatorYes295,000$1,819
CreatorYes305,000$1,879
CreatorYes315,000$1,939
CreatorYes325,000$1,999
CreatorYes335,000$2,059
CreatorYes345,000$2,119
CreatorYes355,000$2,179
CreatorYes365,000$2,239
CreatorYes400,000$2,299
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