Free calculator
What each plan really costs at your own volume once the card rate is counted beside the subscription, and the monthly card volume at which the next plan up starts paying for itself.
Cheapest at your volume
Grow
Basic
€1.636,74
2,3% of volume
Grow
€1.625,33
2,3% of volume
Advanced
€1.774,50
2,5% of volume
Pay as you go, at the higher monthly price.
You pay the card rate and no platform surcharge.
Card rates
Published minimums, checked 1 Sep 2026. Real rates depend on your country and the cards your customers use, so put your own in.
↑ ↓ to nudge, Shift for ten. Commas or dots both work.
Grow beats Basic above €59.995,12 of card volume a month. Advanced beats Grow above €145.995,57 of card volume a month. Those thresholds are where the decision actually lives: below them the cheaper subscription wins however good the rate looks.
€1.625,33 a month all in, an effective 2,3% of the €71.411,90 your gateway moves. The spread between the best and worst plan here is €149,17 a month.
An estimate from flat rates. In nouz every order is priced from the costs of its own day.
This calculator compares Shopify's Basic, Grow and Advanced plans at your own order volume, adding the subscription to the card rate and the fixed fee per transaction, and finds the monthly card volume at which each step up starts paying for itself.
The formula
Comparing Shopify plans on their monthly prices answers the wrong question. The subscription is the small half for any store doing real volume: what actually differs is the card rate, and a tenth of a percentage point on a serious month is worth considerably more than the price gap between two plans.
So the decision lives at a crossover: the monthly card volume at which the rate saving repays the extra subscription. Below it the cheaper plan wins however attractive the rate looks; above it, staying on the cheap plan is an expensive habit.
The crossover moves sharply if checkout runs on a third-party gateway, because the surcharge Shopify adds there is many times the difference between the card rates. That single input changes the answer for most small stores, and almost nobody includes it.
Where it goes wrong
Plan choice is made once, early, on the wrong criteria, and then almost never revisited.
At any serious volume the card fees dwarf the subscription: on €70.000 of monthly card volume the fees are around €1.600 and the subscription is under €100. Choosing on the visible number optimises the small half of the bill.
Running checkout on another gateway adds a platform fee of 2% on Basic and 1% on Grow. That is ten times the gap between their card rates, which pulls the crossover down by an order of magnitude and puts many small stores on the wrong plan.
The right plan is a function of volume, and volume moves. A store that doubles in a year has usually crossed a threshold without noticing, and the overpayment compounds quietly for as long as nobody recomputes it.
Higher plans carry features as well as rates, and some are worth paying for on their own. Decide those separately: work out the cost crossover first, then ask what the feature gap is worth, rather than letting one justify the other.
Worked example
The calculator’s defaults, on the example store: 706 orders a month at €101,15 of gross charge each, which is €71.411,90 of monthly card volume, billed monthly, on Shopify Payments at the published minimum rates.
The plans land within €150 of each other, and the cheapest is not the cheapest subscription.
This store has just crossed into Grow territory: it saves €11,41 a month, which is real but hardly dramatic, and Advanced would cost it €149 a month more than Grow. The interesting line is the second crossover: Advanced only starts paying at about €146.000 of monthly card volume.
Switch the same store to a third-party gateway and both thresholds collapse, to roughly €6.000 and €73.000 of monthly volume, because the platform surcharge dominates everything else on the page.
In the app
A calculator works from flat rates you type once. nouz prices every single order from the cost rules that were in force on that order's own date, and rebuilds the same statement every night from your own orders and your own ad spend.
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Each one is a different question about the same statement. All 32 are free, and none of them asks you to sign up.
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The long version
Want the long version rather than the arithmetic?
Of a €20 basket1,25%is the fixed fee alone11 min readAre Shopify fees eating your profit? Itemise before you panicEvery order loses a slice to fees, and the fixed part bites hardest on small baskets. The full fee stack, the mechanics that inflate it, and the four levers that help.Are Shopify fees eating your profitnouz splits the subscription into overhead and the card fees into transaction costs per gateway, so the platform's real share of a month is a line rather than an assumption.