# MRR Calculator: What You Keep After Fees and Churn (2026)

> See what your MRR leaves in your bank after payment fees, payouts and churn, for 7 providers including Paddle, Creem and Stripe.

Source: https://agentaos.ai/tools/mrr-calculator (canonical HTML page). Publisher: AgentaOS (Aristokrates OÜ, Estonia).

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Free tool

# MRR calculator: what you keep

**Your MRR is not what reaches your bank.** Enter your MRR, plan price, churn and growth, and see what each payment provider leaves you this month and over the next 12, after its fees, surcharges and payout costs.

By [Panche Isajeski](https://agentaos.ai/about), founder of AgentaOS. Fees checked October 2026. AgentaOS is one of the providers compared.

Calculator

## What your MRR *leaves you*

CurrencyFees are treated as equal in both MRR today (*€*)Monthly recurring revenue Average plan price (*€* a month)Sets how many charges you run Buyers outside your provider’s home market (%)Some providers add an international fee Monthly churn (%)Share of MRR lost each month New MRR each month (*€*)From new customers

| Provider | Fees this month | You keep this month | You keep over 12 months |
|----------|-----------------|---------------------|-------------------------|

What you keep per provider {.dir-prov}

Kept = MRR minus (MRR × fee % + fixed fee × charges) minus payout fees.

How it works

## Fees and *assumptions*

**Fees used**, from each provider’s own price page (checked 6 to 15 October 2026): AgentaOS Pay as you go 4.5% + €0.50, +1.5% for cards from outside the EEA; AgentaOS Pro €49 a month, 4.0% + €0.40 flat with no international surcharge; both with a 1% payout fee (min €1); Paddle 5% + \$0.50; Lemon Squeezy 5% + \$0.50, +1.5% international, +0.5% subscriptions, 1% payout outside the US; Creem 3.9% + \$0.40, payout \$7 or 1%; Dodo Payments 4% + \$0.40, +1.5% international, +0.5% subscriptions, \$5 payout under \$1,000; Polar 5% + \$0.50, +1.5% international; Stripe 2.9% + \$0.30, +1.5% international, +0.7% Billing, and it is not a merchant of record, so tax filing is on you. Details: [all fees side by side](https://agentaos.ai/merchant-of-record-fees).

**Not included:** euro and dollar amounts are treated as equal for simplicity; currency conversion, refunds, chargebacks and VAT (merchants of record add VAT on top of your price). Treat the result as an estimate.

Questions

## Related *questions*

### How do I calculate MRR?

Add up the monthly value of all active subscriptions: monthly plans at their price, yearly plans divided by 12. One-time sales do not count.

### How much of my MRR do I actually keep?

After payment fees, usually 90 to 96% with a merchant of record, depending on the provider, your share of international buyers and payout fees. Use the calculator for your numbers.

### When does MRR stop growing?

It varies a lot by price, market and product, so track your own every month. At a steady state, MRR stops growing when new MRR each month equals MRR lost to churn.

### Which provider leaves me the most?

It depends on your price, volume and buyer mix: fixed fees hurt cheap plans, payout minimums hurt small volumes and international surcharges hurt global sales. The table ranks them for your inputs.

Keep reading

## Related

[Merchant of Record providers compared](https://agentaos.ai/merchant-of-record-fees)[AI pricing calculator](https://agentaos.ai/tools/ai-pricing-calculator)[EU VAT rates 2026](https://agentaos.ai/tools/eu-vat-rates-digital-products)[Move from Paddle, Lemon Squeezy, Creem or Gumroad](https://agentaos.ai/migrate)