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TryOwning · Online store · Lesson 1
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Online store · 14 min

What a sale really costs online

Someone just bought a shirt from your shop for $40example (example number: Simplified example: one printed T-shirt plus the shipping the customer pays.). Before you celebrate, let's follow that money.

EACH SALENEW ORDER
Your business

Pick the business you'll run

Each lesson uses your pick for its numbers. You can change it any time.

What kind of shop

Own-website shop

Shopify's basic plan was $39shopify.com ·2026 a month at the time of writing.

Etsy shop

You pay for them in fees on every sale: Etsy keeps 6.5%etsy.com ·2026 of each order, shipping included.

Print-on-demand shop

No stock and no packing, but each shirt costs more: from $11.92printful.com ·2026 at Printful.

Pick a business to start.

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Tell us what looks off. No name or email needed.

What kind of problem?

0 / 1000

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Sources and every number (12 sources)

Sources

  • Quarterly Retail E-Commerce Sales, 2nd Quarter 2026 (released August 18, 2026) · U.S. Census Bureau, 2026
  • Etsy, Inc. Form 10-K for the fiscal year ended December 31, 2025 · Etsy, Inc. (filed with the U.S. SEC), 2025
  • Unisex Staple T-Shirt (Bella + Canvas 3001): price and US shipping · Printful, 2026
  • Price List (Notice 123), effective October 4, 2026: USPS Ground Advantage retail prices · U.S. Postal Service, 2026
  • 2025 Retail Returns Landscape (with Happy Returns) · National Retail Federation, 2025
  • Shopify pricing: plans and online card rates with Shopify Payments (US) · Shopify, 2026
  • Fees & Payments Policy · Etsy, Inc., 2026
  • Etsy Payments Policy: payment processing fees by country · Etsy, Inc., 2026
  • How much does it cost to sell on Amazon? Selling plans and referral fees · Amazon.com Services LLC, 2026
  • Stripe pricing: standard rates for cards (US) · Stripe, 2026
  • Wayfair Inc. Form 10-K for the fiscal year ended December 31, 2025 · Wayfair Inc. (filed with the U.S. SEC), 2025
  • Unisex Heavy Blend Hoodie (Gildan 18500): price and US shipping · Printful, 2026

Every number

  • $40example (example number: Simplified example: one printed T-shirt plus the shipping the customer pays.) · Simplified example: one printed T-shirt plus the shipping the customer pays.
  • $34example (example number: Simplified example: the shirt's price in our example shop.) · Simplified example: the shirt's price in our example shop.
  • $6example (example number: Simplified example: what our example shop charges the customer for shipping.) · Simplified example: what our example shop charges the customer for shipping.
  • $4.90example (example number: Simplified example: what's left of the example order on your own website after every cost in the breakdown.) · Simplified example: what's left of the example order on your own website after every cost in the breakdown.
  • $11.50example (example number: Simplified example: what's left of the example order in an Etsy shop after every cost in the breakdown.) · Simplified example: what's left of the example order in an Etsy shop after every cost in the breakdown.
  • $4.78example (example number: Simplified example: what's left of the example order in a print-on-demand shop after every cost in the breakdown.) · Simplified example: what's left of the example order in a print-on-demand shop after every cost in the breakdown.
  • 17.1%census.gov ·2026 · E-commerce as a share of all US retail sales, second quarter of 2026, seasonally adjusted: the quarterly release of August 2026. The page shows the newest release, so check that quarter when re-checking.
  • $340.2Bcensus.gov ·2026 · US retail e-commerce sales in the second quarter of 2026, seasonally adjusted: the quarterly release of August 2026. The page shows the newest release, so check that quarter when re-checking.
  • 86.5 millionsec.gov ·2025 · Active buyers on the Etsy marketplace at the end of 2025.
  • 5.6 millionsec.gov ·2025 · Active sellers on the Etsy marketplace at the end of 2025.
  • $9example (example number: Simplified example: a blank shirt plus a one-color print, bought in a batch of fifty.) · Simplified example: a blank shirt plus a one-color print, bought in a batch of fifty.
  • $11.92printful.com ·2026 · Printful's price to the seller for a Bella + Canvas unisex T-shirt (its staple tee) with one print, at the time of writing.
  • $4.95printful.com ·2026 · Printful's starting US shipping price for a T-shirt order, at the time of writing.
  • $7example (example number: Simplified example: a label bought through the store platform, which sells them for less than the post office counter.) · Simplified example: a label bought through the store platform, which sells them for less than the post office counter.
  • $9.35usps.com ·2026 · USPS Ground Advantage retail (counter) price for a package up to eight ounces to a mid-distance zone (zone five), in the price list that took effect in October 2026.
  • $0.75example (example number: Simplified example: a mailer, tissue paper and a thank-you card.) · Simplified example: a mailer, tissue paper and a thank-you card.
  • $1.50example (example number: Simplified example: money set aside on every order for returns: return labels, repacking and the odd shirt you can't resell.) · Simplified example: money set aside on every order for returns: return labels, repacking and the odd shirt you can't resell.
  • 19.3%nrf.com ·2025 · The share of online sales retailers expected to be returned in 2025, in dollars (a survey-based estimate).
  • $15example (example number: Simplified example: what the ads cost, on average, for each customer they bring: worked out in the cost-per-click ticket.) · Simplified example: what the ads cost, on average, for each customer they bring: worked out in the cost-per-click ticket.
  • $6example (example number: Simplified example: what Etsy Ads cost, on average, for each sale they bring.) · Simplified example: what Etsy Ads cost, on average, for each sale they bring.
  • 2.9%shopify.com ·2026 · Shopify's standard online card rate on its Basic plan, with Shopify Payments, at the time of writing (premium cards cost more).
  • $0.30shopify.com ·2026 · Shopify's fee per online card payment on the Basic plan, on top of the percentage.
  • $39shopify.com ·2026 · Shopify's Basic plan, paid month to month, at the time of writing.
  • $29shopify.com ·2026 · Shopify's Basic plan per month when paid for a year at a time.
  • 2%shopify.com ·2026 · Shopify's extra fee on its Basic plan when you use another payment company instead of Shopify Payments.
  • 100example (example number: Simplified example: orders a month in our example shop.) · Simplified example: orders a month in our example shop.
  • $0.39example (example number: Simplified example: the monthly plan shared out over the example shop's orders.) · Simplified example: the monthly plan shared out over the example shop's orders.
  • $1.46example (example number: Worked out from Shopify's published standard card rate, on the example order.) · Worked out from Shopify's published standard card rate, on the example order.
  • $1.85example (example number: Simplified example: the card fee plus the plan's share, on the example order.) · Simplified example: the card fee plus the plan's share, on the example order.
  • 6.5%etsy.com ·2026 · Etsy's transaction fee: a share of the item price plus the shipping and gift wrap you charge.
  • $0.20etsy.com ·2026 · Etsy's fee to list one item for four months, paid whether or not it sells.
  • 3%etsy.com ·2026 · Etsy's payment processing fee for US shops, on the whole order including shipping.
  • $0.25etsy.com ·2026 · Etsy's payment processing fee per US order, on top of the percentage.
  • $2.60example (example number: Worked out from Etsy's published transaction fee, on the example order.) · Worked out from Etsy's published transaction fee, on the example order.
  • $1.45example (example number: Worked out from Etsy's published payment processing fee, on the example order.) · Worked out from Etsy's published payment processing fee, on the example order.
  • $4.25example (example number: Worked out from Etsy's published listing, transaction and processing fees, on the example order.) · Worked out from Etsy's published listing, transaction and processing fees, on the example order.
  • 15%etsy.com ·2026 · Etsy's Offsite Ads fee on an order that came from one of its ads, for shops under its yearly sales threshold.
  • $6example (example number: Worked out from Etsy's published Offsite Ads fee, on the example order.) · Worked out from Etsy's published Offsite Ads fee, on the example order.
  • $10.25example (example number: Worked out from Etsy's published fees, including the Offsite Ads fee, on the example order.) · Worked out from Etsy's published fees, including the Offsite Ads fee, on the example order.
  • 12%etsy.com ·2026 · Etsy's Offsite Ads fee once a shop has made its sales threshold in a year.
  • $10,000etsy.com ·2026 · Sales over the prior year at which Etsy's Offsite Ads fee drops, and stops being optional.
  • $100etsy.com ·2026 · The most Etsy's Offsite Ads fee takes from one order.
  • 17%amazon.com ·2026 · Amazon's referral fee for clothing and accessories on total prices over its threshold.
  • $20amazon.com ·2026 · The total price above which Amazon's clothing referral fee is at its top rate.
  • $6.80example (example number: Worked out from Amazon's published referral fee for clothing, on the example order.) · Worked out from Amazon's published referral fee for clothing, on the example order.
  • $0.99amazon.com ·2026 · Amazon's per-item fee on its Individual selling plan.
  • $39.99amazon.com ·2026 · Amazon's Professional selling plan, per month.
  • 1.5%stripe.com ·2026 · Stripe's extra fee for cards issued outside the US.
  • 1%stripe.com ·2026 · Stripe's extra fee when a payment has to be converted to another currency.
  • $38.54example (example number: Worked out from Shopify's published standard card rate, on the example order.) · Worked out from Shopify's published standard card rate, on the example order.
  • $16.87example (example number: Simplified example: the printer's shirt and shipping prices above, added up.) · Simplified example: the printer's shirt and shipping prices above, added up.
  • $1example (example number: Simplified example: the label minus the shipping the customer paid.) · Simplified example: the label minus the shipping the customer paid.
  • $0.50example (example number: Simplified example: what one click on the shop's ad costs.) · Simplified example: what one click on the shop's ad costs.
  • 30example (example number: Simplified example: about one visitor in this many buys.) · Simplified example: about one visitor in this many buys.
  • 37.5%example (example number: Worked out: the example ad cost as a share of the example order.) · Worked out: the example ad cost as a share of the example order.
  • $0.25example (example number: Simplified example: what one click on an Etsy Ads promotion costs.) · Simplified example: what one click on an Etsy Ads promotion costs.
  • 24example (example number: Simplified example: about one Etsy visitor in this many buys.) · Simplified example: about one Etsy visitor in this many buys.
  • $914.8Msec.gov ·2025 · Etsy's marketing expense, fiscal 2025.
  • 31.7%sec.gov ·2025 · Etsy's marketing expense divided by its revenue, fiscal 2025, worked out from the annual report.
  • 11.4%sec.gov ·2025 · Wayfair's advertising expense as a share of its net revenue, fiscal 2025.
  • $1example (example number: Simplified example: what a click costs once holiday shoppers and big stores crowd in.) · Simplified example: what a click costs once holiday shoppers and big stores crowd in.
  • $30example (example number: Simplified example: the holiday click price times the visitors it takes to make one sale.) · Simplified example: the holiday click price times the visitors it takes to make one sale.
  • $0.50example (example number: Simplified example: what an Etsy Ads click costs in the holiday rush.) · Simplified example: what an Etsy Ads click costs in the holiday rush.
  • $12example (example number: Simplified example: the holiday click price times the visitors it takes to make one sale.) · Simplified example: the holiday click price times the visitors it takes to make one sale.
  • 25%example (example number: Simplified example: a Black Friday discount.) · Simplified example: a Black Friday discount.
  • $8.50example (example number: Simplified example: the discount taken off the example shirt price.) · Simplified example: the discount taken off the example shirt price.
  • $38example (example number: Simplified example: the example price plus a small rise.) · Simplified example: the example price plus a small rise.
  • $4example (example number: Simplified example: a small price rise.) · Simplified example: a small price rise.
  • 20example (example number: Simplified example: better photos and reviews, so fewer visitors leave without buying.) · Simplified example: better photos and reviews, so fewer visitors leave without buying.
  • 16example (example number: Simplified example: better photos and reviews, so fewer visitors leave without buying.) · Simplified example: better photos and reviews, so fewer visitors leave without buying.
  • $22.63printful.com ·2026 · Printful's price to the seller for a Gildan heavy blend hoodie with one print, at the time of writing.
  • $8.79printful.com ·2026 · Printful's starting US shipping price for a hoodie order, at the time of writing.
  • $11.70usps.com ·2026 · USPS Ground Advantage retail (counter) price for a package up to one pound to a mid-distance zone (zone five), in the price list that took effect in October 2026.
  • $40example (example number: Simplified example: a starting price for the hoodie, before shipping, to change: it leaves less than the example target.) · Simplified example: a starting price for the hoodie, before shipping, to change: it leaves less than the example target.
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