My Kept Money

The method

How your numbers are worked out

A profit number is only worth having if you can see where every cent came from. Here is the whole method, in the open.

Three files, one join

Etsy gives every seller three files: the Orders file (what sold, what the buyer paid, the card processing fee Etsy printed for that order), the Order Items file (each item, with its Listing ID), and the monthly statement (the fee ledger — where transaction, listing, regulatory, and Offsite Ads charges actually live). What none of them holds is what your materials cost. The tracker joins the three files to your materials and recipes. That join — not a scraper, not a guess — is the product.

Three kinds of fee line, labeled honestly

Read from your files

When Etsy printed a fee for a specific order — the processing fee in your Orders file, an Offsite Ads charge or a fee line naming its order in your statement — the tracker uses Etsy's own number, exactly.

Worked out from published rates

The transaction fee and the regulatory fee are computed by Etsy per order but not handed to you per order. The tracker computes them from Etsy's published rates for your country and the order's own date — the same formula Etsy uses.

Spread from your statement

Listing fees arrive as a monthly total with no order attached. The tracker spreads that total across the items you sold that month, and labels it as spread. Pennies of rounding stay visible, never hidden.

The fee table, and why it carries dates

On 22 June 2026, Etsy changed its regulatory operating fees — the UK went from 0.32% to 0.48%, France from 0.47% to 1.14% — and nearly every calculator on the internet quietly went stale. Our table is versioned by date: an order from March computes at March's rates, an order from August at August's. Fee rates checked November 2026 against Etsy's published fee schedule.

FeeRateCharged on
Listing fee$0.20 per listingOn publish, every 4 months, and per additional quantity sold
Transaction fee6.5%Item price + shipping charged + gift wrap
Payment processingUS 3% + $0.25 · UK 4% + £0.20 · Eurozone 4% + €0.30 · Canada 3% + C$0.25 · Australia 3% + A$0.25The full order total, including sales tax
Regulatory operating fee0% US/Germany/Australia · UK 0.48% · France 1.14% · Italy 0.80% · Spain 0.88% · Canada 0.50% (since 22 June 2026)Item price + shipping charged
Offsite Ads fee15% under $10k/yr · 12% at $10k+, capped at $100 per orderOnly orders that arrived through an ad, on the order total including shipping
Currency conversion2.5%When your listing currency differs from your payout currency
VAT on feesYour country's VAT rateOn Etsy's transaction, listing, regulatory, and ads fees, if you are not VAT-registered

The honesty rules

Cost tracking is not tax advice. This tool organizes your own numbers; it does not prepare or file your taxes. Show the worksheet to your tax preparer.

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