Which Shopify plan should you actually be on?
The plan fee is the part everyone compares, and it is the part that matters least. What decides your bill is the card rate, and it changes with the plan. Put your revenue in and see the whole cost.
Disclosure:the links to Shopify on this page are affiliate links. If you open a store through one, Libautech earns a commission at no extra cost to you. It does not change the maths below, which uses Shopify's own published prices and will tell you to stay on the cheapest plan when that is the right answer.
Which plan should you be on?
The plan fee is the number everyone compares, and it is the one that matters least. The card rate falls with every plan, so a bigger plan often costs less overall.
At $20,000 a month, your cheapest plan is
Shopify Basic
About $709.00 a month all in: $29 plan fee plus $680.00 in card processing.
About Plus
Not yet. On your settings, Plus only becomes the cheapest plan above $800,400 a month of revenue. Below that it is bought for what it does, not to save money: unlimited staff, a fully customisable checkout, 200 POS locations.
Talk to a Shopify Plus expertPlan fees and card rates read from shopify.com/pricing on July 13, 2026. Every rate shown is a “from” rate, Plus included, so a real blended rate can be higher on premium and international cards. Shopify prices differ by country. This covers the online card rate and the plan fee, not in-person rates, apps or currency conversion.
The plan fee is the small number
The card rate decides it
Basic, Grow and Advanced each take a different percentage of every card payment. On a store doing real revenue, that percentage dwarfs the plan fee. This is why a bigger plan often costs less overall, and why the crossover happens at a specific revenue you can calculate.
A third-party gateway is expensive
Take payments anywhere other than Shopify Payments and Shopify adds a fee to every order: 2% on Basic, falling to 0.2% on Plus. That single setting moves the answer more than the plan choice does, which is why the calculator asks.
Plus is not a mystery
Shopify's comparison table says only "most competitive rates" for Plus, which is why most guides give up there. Its plan card publishes a real figure: card rates from 2.25% against Advanced's 2.5%. So Plus can be priced, and the calculator prices it. It overtakes Advanced above about $800,400 a month on Shopify Payments.
Frequently Asked Questions
Which Shopify plan is cheapest for me?
I have no sales yet. What should I start on?
When is Shopify Plus worth it?
Why does the calculator ask about Shopify Payments?
Are these prices accurate for my country?
Do you earn anything if I open a store?
Three days free, then $1 a month
If you are not selling yet, the plan question can wait. Open the store on Shopify's intro offer and pick a plan when you have numbers to put in the calculator.
Affiliate links. Libautech earns a commission if you open a store, at no extra cost to you.