Payout & Cash Flow Calculator

Free cash-flow calculator for Amazon, Etsy, eBay and Shopify sellers: daily units, price, landed cost, supplier lead time, batch size and the platform's payout lag → cash tied up per batch, batches in flight, cash needed to sell continuously, day of first payout and monthly profit.

Sales

Units sold per day

Selling price ($)

All fees as % of price (referral + FBA + storage…)

Advertising per unit sold ($)

Stock

Landed cost per unit ($)

Supplier lead time — order to arrival (days)

Days of sales per batch

Payout

Platform

Payout lag — sale to money in the bank (days)

Cash available for stock and ads ($)

Results

Cash needed to sell continuously

–

– batches in flight

One batch

–

– units + – ads

Cash cycle

–

first payout on day –

Monthly net profit

–

payout – per day

With your cash

Same product on each platform

Platform	Payout lag	Cash cycle	Batches in flight	Cash needed	First payout

How it is calculated

Cash cycle = lead time + days of sales per batch + payout lag: the time from paying the supplier to receiving the last payout for that batch. Batches in flight = cash cycle ÷ batch days — how many batches you have paid for at any moment if you never stock out. Cash needed = batches in flight × (batch landed cost + ads for the batch). First payout arrives at lead time + payout lag, the earliest any money comes back.

Payout lags are typical values from each platform's help pages (Amazon: funds available 7 days after delivery, then the 14-day settlement and a few days of bank transfer; Etsy, eBay and Shopify pay within days) and vary by account — newer Amazon accounts may carry an extra reserve. The tool models timing only; get per-unit fees from the [Amazon FBA calculator](/en/amazon-fba-calculator) and landed cost from the [landed cost calculator](/en/landed-cost-calculator).

Key points

Cash cycle = supplier lead time + days to sell a batch + payout lag. Amazon's lag is about three weeks (7 days after delivery, then the 14-day settlement, then 3–5 days to the bank); Etsy, eBay and Shopify pay within days.
Batches in flight = cash cycle ÷ batch sell-through days. With a 30-day lead, 45-day batch and 21-day lag, 2.1 batches are paid for before the first one has fully paid out.
Cash needed to sell continuously ≈ batches in flight × (batch landed cost + ads for the batch). For 10 units a day at $9.80 landed and $3 PPC that is about $12,300.
The first payout arrives around lead time + payout lag after you pay the supplier — about 51 days in the example — regardless of how fast the product sells.
Refunds are deducted from later settlements, after the sale has already been paid out; keep a reserve of one to two weeks of refunds.

Worked example

10 units/day at $30, landed $9.80, all fees 28% of price, $3 PPC per unit, 30-day lead time, 45-day batches.

Platform	Payout lag	Cash cycle	Batches in flight	Cash needed	First payout
Amazon	21 days	96 days	2.1	$12,288.00	day 51
eBay	3 days	78 days	1.7	$9,984.00	day 33
Etsy	4 days	79 days	1.8	$10,112.00	day 34
Shopify Payments	3 days	78 days	1.7	$9,984.00	day 33

The table uses default assumptions. Enter your own numbers in the calculator above.

Rates as of2026-09-20Last automated check2026-10-01Marketplace fee pages and related news are checked automatically every day; changes are reflected here.

Wrong result or a rate that changed? Report a bug in this tool · Report a rate change

Results are estimates for reference only. Actual fees depend on each marketplace's current policies, promotions, your account status and product attributes. Verify in your seller account before making decisions.

Frequently asked questions

How long does Amazon take to pay?

Funds become available about seven days after the estimated delivery date, are included in the next 14-day settlement, and the bank transfer takes another 3–5 business days — roughly three weeks from the sale on average. Newer accounts may carry an extra reserve.

What lag should I use for the other platforms?

Etsy makes funds available once the order is processed and deposits on the schedule you pick (daily is the fastest); eBay funds are typically available within two business days and paid daily; Shopify Payments pays US stores in about two business days. Use 3–4 days unless your account says otherwise.

Why are batches in flight more than one?

Because you have to order the next batch before the current one has sold and paid out, or you stock out. The number of batches paid for at any moment equals the cash cycle divided by the batch's sell-through time.

Does the calculator include the selling plan, storage or refunds?

Put the plan and storage into the fee percentage (as a share of price) and add a refund allowance to it; the tool models timing, not every fee. Use the Amazon FBA calculator for the exact per-unit fees.