Patreon’s 10% Plus Apple’s Cut: The 2026 Math for Moving Off Patreon
A Patreon page started after August 4, 2025 pays a 10% platform fee on every pledge. When a patron subscribes through the iOS app, Apple takes 30% on top, and Patreon passes that cost through. On a $10 iOS pledge, a creator nets about $5.86 after fees. The same $10 pledge on the web nets about $8.51. This article shows the math, the alternatives, and what a realistic move off Patreon actually looks like in 2026.
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What a Patreon page started after August 2025 actually pays
Patreon changed its fee structure in August 2025. Every creator page launched on or after August 4, 2025 sits on the 10% platform fee tier. Older pages remain on their legacy tiers (5% or 8%) unless they add new features or migrate.
The 10% platform fee is Patreon’s cut. It is separate from payment processing, which runs another 2.9% to 5% plus a fixed per-transaction fee depending on the pledge size and country. Small pledges get hit harder by the fixed fee. A $3 pledge loses a much bigger share to processing than a $30 pledge.
Payout fees are another line item: Patreon charges to move money to your bank, and the amount depends on your country and payout method. Currency conversion adds another 2.5% when patrons pay in a currency other than your payout currency.
The headline number is 10%. The real number, after processing, payouts, and currency, sits closer to 13-16% for most creators on web-only pledges. Add Apple’s 30% cut for iOS patrons and the effective take rate on that slice of your audience crosses 40%.
The iOS billing change and why it lands hardest on mobile-heavy audiences
Apple’s App Store rules require in-app purchases to go through Apple’s billing system, which takes a 30% commission (15% for the Small Business Program, but most creator earnings on Patreon exceed the qualifying threshold). Patreon rolled out in-app purchases on iOS in late 2024, and by 2025 the pattern was clear: creators either absorb Apple’s cut or raise iOS prices to pass it on to patrons.
Patreon’s implementation lets creators choose. You can price iOS memberships higher to protect your margin, or keep prices flat and take the hit. Either way, the money leaves your pocket or your patron’s pocket. Someone pays Apple.
Audiences that skew mobile feel this the most. Podcast listeners, video creators whose viewers watch on phones, and communities built around iOS-friendly content see 30-60% of new pledges come through the app. On those pledges, the combined stack (Patreon 10% + Apple 30% + processing) can push total take-out past 42% before you see a dollar.
Web signups avoid Apple entirely, but Patreon does not aggressively push patrons to the web checkout. Most creators do not run their own web-first funnel, so a big share of pledges default to whatever surface the patron discovered them on. If that surface is the app, Apple gets paid.
What you keep per patron on web vs in-app
Here is the math on a single $10 monthly pledge, using published Patreon and Stripe rates as of July 2026:
| Scenario | Gross pledge | Platform fee | Processor / Apple | Creator nets | Effective take rate |
|---|---|---|---|---|---|
| Patreon web (post-Aug 2025 page) | $10.00 | $1.00 (10%) | $0.49 (processing) | $8.51 | 14.9% |
| Patreon iOS (in-app purchase) | $10.00 | $0.70 (7% of $7 net) | $3.00 (Apple 30%) | $5.86 | 41.4% |
| Patreon web (legacy 5% page) | $10.00 | $0.50 (5%) | $0.49 (processing) | $9.01 | 9.9% |
| Own site on Stripe (2.9% + $0.30) | $10.00 | $0.00 | $0.59 (Stripe) | $9.41 | 5.9% |
Scale that up. A creator with 500 patrons at an average $10 pledge, where 40% pay through iOS, loses roughly $940 per month to Apple alone. That is $11,280 per year. Over three years, $33,840, on 500 patrons paying $10.
The gap between Patreon web and running your own membership on Stripe is about $0.90 per $10 pledge, or 9%. On 500 patrons, that is another $4,500 per year that stays with the creator instead of the platform. Add Apple avoidance and the annual delta versus a mobile-heavy Patreon page pushes past $16,000 for the same 500 patrons at $10.
Four places to host a paid membership instead (compared)
Moving off Patreon means picking a new home. The four realistic options for US creators in 2026:
| Platform | Platform fee | Processor fee | Custom domain | Community + posts | Native mobile app | Best for |
|---|---|---|---|---|---|---|
| Zanfia | 0% (SaaS from $25/mo billed annually) | Stripe / PayPal standard | Yes, white-label | Yes, native | Courses, newsletters, knowledge bases yes; communities rolling out | Creators consolidating community, courses, and paid newsletters under one domain |
| Substack | 10% + processing | ~2.9% + $0.30 | Custom domain available | Notes / Chat (limited) | Yes (iOS in-app billing applies) | Writers who publish primarily by email |
| Circle | 0% on Pro+ ($219/mo) | ~2.9% + $0.30 | Yes | Yes, community-first | Yes, branded on higher tiers | Community-heavy programs with high average revenue per member |
| Ghost | 0% (self-hosted) or SaaS from $9/mo | ~2.9% + $0.30 | Yes | Comments only | No (web-only) | Publications with a strong newsletter core, no community layer |
Each has a different tradeoff. Substack keeps a Patreon-shaped economy: they take a cut, they own the payment relationship, and they push their discovery layer. That last part is the argument for staying. If half your growth comes from Substack recommendations, moving costs you that pipe.
Circle and Zanfia both charge a flat SaaS fee and take 0% of your revenue. That trade only makes sense above a certain revenue floor. At $500/month in memberships, Circle Pro’s $219/month leaves less than paying Patreon 10%. Zanfia’s $25-29/month entry crosses that line much earlier: at roughly $250-$290/month in memberships, the Zanfia SaaS bill matches Patreon’s 10% cut. Above that, the SaaS model pays for itself.
Ghost is the cheapest option on paper, but it is a publishing tool. If your Patreon is really a paid newsletter with a comment thread, Ghost works. If it is a community, it does not.
Zanfia is rolling out its own mobile app for the core creator products. Courses, paid newsletters, and knowledge bases work in the native iOS and Android app today. Communities in the app are behind a per-workspace flag and not generally available. The key point for the iOS math: because Zanfia’s app does not currently sell subscriptions through Apple’s in-app billing, mobile viewers still route to your web checkout, so Apple’s 30% cut does not apply.
Moving patrons without losing them: the realistic conversion rate
The honest number from creators who have done this: expect 40-60% of active patrons to follow you to a new home in the first 60 days, and 60-75% within six months if you keep publishing consistently in both places during the transition.
That number depends almost entirely on two things. First, whether you have a working email list separate from Patreon. Patrons who only exist as Patreon usernames are hard to reach when Patreon’s inbox is not delivering. Creators with a real email list (exported before you announce the move) convert two to three times better than creators who rely on Patreon posts to communicate the migration.
Second, whether you make the new home a genuine upgrade. “Same thing, different URL, please update your credit card” converts poorly. “Same tiers plus a private podcast feed, better community threads, and your own app-free web checkout that keeps 15% more of your dollar in the creator’s pocket” converts much better.
Practical sequence for a move:
- Set up the new platform and rebuild your tier structure. Match names and prices exactly for month one to reduce friction.
- Export your patron email list from Patreon (Settings → Membership → Export patron list) before announcing anything.
- Send a direct email to patrons explaining the move, the new URL, and one concrete new benefit they get on the new home.
- Run both platforms in parallel for 60-90 days. Do not close Patreon the day you launch the new site. Redirect gradually.
- Publish your best content on the new platform first. Give people a reason to move rather than a reason to churn.
- After 90 days, stop posting new content on Patreon. Send one final email. Close the page 30 days later.
Rebuild discovery yourself. Patreon has a modest discovery layer through its explore page and recommendations. Substack has a stronger one through recommendations from other writers. Zanfia, Circle, and Ghost all leave discovery to you. That is the real cost of leaving. You gain 10-15% of every dollar and lose whatever share of new patrons came from the platform’s own funnel. For most creators past 200-300 patrons, the math still favors leaving, because at that scale you already run your own funnel through YouTube, a podcast, or social.
The 2026 verdict is straightforward. A Patreon page started after August 2025, with a mobile-heavy audience, gives up roughly 15-40% of every dollar depending on the payment surface. A membership on your own domain running on Stripe gives up 3-6%. Somewhere in the middle sits every other platform, distinguished mostly by what they add on top of payments. Pick the platform that matches how you actually make things, not the one that matches how you found your first hundred patrons.
