Free calculator
Which Shopify plan 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.
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.
Your month
Pay as you go, at the higher monthly price.
You pay the card rate and no platform surcharge.
Card rates
Published minimums, checked 1 Sept 2026. Real rates depend on your country and the cards your customers use, so put your own in.
Cheapest at your volume
Grow
€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.
Basic
€1.636,74
2,3% of volume
Grow
€1.625,33
2,3% of volume
Advanced
€1.774,50
2,5% of volume
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.
See what fees really cost you, nightlyThe formula
A dearer subscription buying a cheaper rate
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.
The subscription is a fixed cost on line 31 and the card fees are variable on line 23, which is also how they should sit on your own P&L.
Where it goes wrong
Four ways stores end up on the wrong plan for years
Plan choice is made once, early, on the wrong criteria, and then almost never revisited.
Compared on subscription alone
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.
The third-party surcharge ignored
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.
Chosen once and never revisited
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.
Features and cost decided together
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
706 orders, €101,15 average charge
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 a hundred and fifty euros 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.
Plan prices and published minimum card rates for the euro plans, checked 1 Sept 2026 on Shopify’s own pricing page. Real rates depend on your country and the cards your customers use, so every rate above is editable. Plus is out of scope here: it starts around €2.100 a month, well beyond the stores this calculator is for.
Questions
Shopify plans, answered
Which Shopify plan should I be on?
Whichever costs least at your card volume, and that crossover is lower than most merchants expect. On the published euro prices billed monthly, Grow starts beating Basic at roughly €60.000 of card volume a month, because the €60 of extra subscription buys a rate saving of a tenth of a point.
Why does the answer change if I use a third-party gateway?
Because Shopify adds a surcharge when checkout runs elsewhere: 2% on Basic against 1% on Grow, which is ten times the difference between their card rates. That moves the Basic to Grow crossover from around €60.000 of monthly volume to roughly €6.000, so a small store on an external gateway is often on the wrong plan.
Is annual billing worth it?
It lowers the monthly price on every plan, so it also lowers the volume at which the next plan up pays: the subscription step you have to earn back gets smaller. The trade is commitment, which matters most for a young store whose volume might halve as easily as double.
Are these the rates I will actually pay?
The card rates here are Shopify's published minimums for the euro plans, checked 1 Sept 2026, and real rates vary by country and by the cards your customers use. That is why every rate on this page is editable: put your own in and the comparison becomes yours rather than a table's.
Why is Plus not in the comparison?
Because it starts around €2.100 a month, which puts it well outside the range this calculator is built for. A store big enough for that decision is negotiating rather than comparing published prices, and the arithmetic here would flatter or frighten without helping.
Where do plan costs sit on a P&L?
The subscription is a fixed cost on line 31, spread across the days it covers rather than dropped on the day it bills. The card fees are variable and sit on line 23 inside CM2, because they only exist when an order happens. Mixing the two makes a busy month look structurally more expensive than it is.
More calculators
Four more, all free, all built on the same statement.
Want the long version rather than the arithmetic? Are Shopify fees eating your profit.
The terms this calculator uses:
What the platform really costs you, on the statement
nouz 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.