Free tool · Prices as of Oct 2026
See what your current platform costs each month next to Whop's pay-as-you-go fees, and how much of every sale you keep. Free, no signup.
Your numbers
What one payment usually is, like a $49/mo membership. That's about 204 charges a month.
The rest counts as one-time sales.
Cards issued outside your country.
Monthly fees at $10,000/mo in sales
You'd keep $219 more a month on Whop
That's $2,628 a year compared with Kajabi Basic.
With these settings, Whop costs less than Kajabi Basic at any sales volume.
| Per month | Kajabi Basic | Whop |
|---|---|---|
| Plan | $179 Billed monthly | $0 No plan fee |
| Platform fee | $0 None | $0 None |
| Card processing | $360 2.9% + 0.7% on subscriptions | $320 2.7% + 0.5% on subscriptions |
| Per-charge fees | $61 204 × $0.30 | $61 204 × $0.30 |
| Total per month | $600 | $381 |
| Total per year | $7,203 | $4,575 |
| Effective fee | 6.0% | 3.8% |
Kajabi Basic: Kajabi Payments, US rates: 0% Kajabi fee, card rate by plan, +0.7% on subscription and payment-plan charges, +1.5% for international cards. Connecting your own Stripe instead adds a 2% (Basic), 1% (Growth) or 0.5% (Pro) Kajabi fee on top of Stripe's rates.
Whop: No monthly fee. Whop Payments: 2.7% + $0.30 per charge, +0.5% billing on subscription charges, +1.5% for international cards and +1% when currency conversion applies. Optional: orchestration 0.8% and Whop Tax Service 2%. Whop lists Radar fraud screening ($0.07 per transaction) and 3D Secure ($0.03 when required) separately.
Prices as of Oct 2026. Assumes a US seller and US card rates. Totals are rounded to whole dollars. Sources: Kajabi pricing, Kajabi Payments fees (US), Whop fees.
We may earn a referral commission from Whop when you create a Whop through our links. It never costs you anything, and it's how we keep migrations free.
For each platform, the calculator adds up one month of fees at the same sales, average price and card mix, then puts the total next to Whop's:
monthly fees = plan price + sales × (platform % + card %) + subscription sales × subscription surcharge % + international sales × international-card surcharge % + (sales ÷ average price) × fixed fee per charge
The effective fee is monthly fees ÷ sales, and what you keep is sales minus fees. We round to whole dollars at the end, so a total can be $1 off the sum of its rows.
Whop has no plan price: 2.7% + $0.30 per US card charge, plus 0.5% billing on subscriptions and 1.5% on international cards. Orchestration (0.8%), Whop Tax Service (2%), Radar fraud screening ($0.07 per charge) and currency conversion (1%) stay off until you tick them under Fine-tune. Whop lists Radar per transaction, so tick it for the most conservative number. Every other line is in Whop fees explained.
Other platforms use US card rates on their default payment system, such as Kajabi Payments or SamPay; Skool and Hotmart charge one all-in fee. Where you bring your own Stripe account (Circle, Podia, Mighty Networks and others), we use Stripe's standard US pricing: 2.9% + $0.30, plus 1.5% for international cards. Surcharges a platform doesn't document are left out, and the notes under the results say which.
Until you pick a plan, we start with the platform's cheapest plan that can sell subscriptions at $10,000 a month, so the default comparison never flatters Whop.
Prices and fees as of Oct 2026, from each company's public pricing and help pages. Plans change, so check before you buy.
| Platform | Plans (monthly / billed yearly, per month) | Fees per charge (US cards) | Sources | Checked |
|---|---|---|---|---|
| Whop |
|
| Oct 2, 2026 | |
| Kajabi |
|
| Oct 2, 2026 | |
| Skool |
|
| Oct 2, 2026 | |
| Circle |
|
| Oct 2, 2026, Oct 3, 2026 | |
| SamCart |
|
| Oct 2, 2026 | |
| Stan Store |
|
| Oct 2, 2026 | |
| Teachable |
|
| Oct 2, 2026 | |
| Thinkific |
|
| Oct 2, 2026 | |
| Patreon |
|
| Oct 2, 2026 | |
| Podia |
|
| Oct 2, 2026, Oct 3, 2026 | |
| Mighty Networks |
|
| Oct 2, 2026, Oct 3, 2026 | |
| Gumroad |
|
| Oct 2, 2026 | |
| LaunchPass |
|
| Oct 2, 2026, Oct 3, 2026 | |
| ClickFunnels |
|
| Oct 2, 2026, Oct 3, 2026 | |
| Kartra |
|
| Oct 2, 2026, Oct 3, 2026 | |
| Memberful |
|
| Oct 2, 2026, Oct 3, 2026 | |
| Systeme.io |
|
| Oct 2, 2026, Oct 3, 2026 | |
| LearnWorlds |
|
| Oct 2, 2026, Oct 3, 2026 | |
| Hotmart |
|
| Oct 2, 2026 | |
| Stripe |
|
| Oct 3, 2026 |
Monthly memberships on US cards, plans billed monthly, no add-ons: the same assumptions as our Whop vs Kajabi and Whop vs Skool comparisons.
$29/mo membership, about 34 charges, US cards, plan billed monthly
Whop costs $77 less a month, $924 a year.
Moving up to Skool Pro wouldn't help at this size: its $99 plan plus 2.9% comes to $138 a month.
Open this example in the calculator$49/mo membership, about 204 charges, US cards, plan billed monthly
Whop costs $279 less a month, $3,348 a year.
Billed yearly ($199/mo), Kajabi Growth comes to $610 and the gap narrows to $229 a month.
Open this example in the calculator$49/mo membership, about 1,020 charges, US cards, plan billed monthly
Whop costs $51 more a month, $612 a year.
Skool Pro's all-in 2.9% is below Whop's 3.2% on subscriptions, so its $99 plan pays for itself once subscription sales pass about $33,000 a month.
Open this example in the calculatorThis page explains published fees. It isn't financial or tax advice. Ready to compare more than fees? The free migration tool shows what moves from your platform before you commit to anything.
Whop has no monthly fee. A US card payment costs 2.7% + $0.30, subscription charges add 0.5% for billing, and international cards add 1.5%. A $49 monthly membership therefore costs about $1.87 per charge. Orchestration (0.8%) and Whop Tax Service (2%) cost extra only if you turn them on. Every line is on Whop's fee page.
Usually, not always. Skool Hobby takes 10% + $0.30 per sale on top of $9 a month, so Whop costs less at any revenue. Skool Pro costs $99 a month plus an all-in 2.9% + $0.30, under Whop's 3.2% + $0.30 on subscriptions, so Pro gets cheaper once subscription sales pass about $33,000 a month. Our Whop vs Skool comparison covers the features too.
Because sometimes it does. A platform with a flat monthly fee and a lower card rate can undercut Whop's 3.2% subscription rate once your sales cover the plan fee. Skool Pro is the clearest case. Selling subscriptions on systeme.io's free plan through your own Stripe also comes out cheaper here, partly because systeme.io doesn't document a billing fee. We show those results rather than hide them.
We checked every plan price and fee on Oct 2, 2026 against each company's pricing page and help center, and rechecked Whop's and Stripe's fee pages on Oct 3. Prices move: Kajabi, Thinkific and Podia all raised plan prices in the past year. The sources table links the exact pages we used, so check them before you decide.
Keep reading
Whop takes 2.7% + $0.30 per US card sale and 3.2% + $0.30 on subscriptions, with no monthly fee. Every fee, sourced, with the math at $1k, $10k and $50k.
Skool Hobby takes 10% of each sale and Pro costs $99/mo; Whop is $0/mo plus 3.2% + 30¢ per renewal. See where they cross ($33k/mo) and when Skool still wins.
Whop is $0/mo plus 2.7% + 30¢ per card sale; Kajabi is $179–$499/mo plus fees. See the math at $1k, $10k and $50k a month, and when Kajabi still wins.
Whop vs Patreon on a $10 monthly membership: $0.62 vs $1.59 per US card payment on Patreon's 10% plan, plus Apple's iOS cut, payouts, tax and discovery.
Whop vs Stripe on a $49/mo membership: $381 vs $421 in fees per $10k, plus payouts, fraud fees, merchant of record and when Stripe wins. Verified Oct 2026.
