Profit and pricing
eBay fee calculator
Work out eBay's fees on a sale, what you keep, your profit after costs and the price to list at to keep a set amount. Starts from eBay's published US rates, each editable.
Every eBay fee
The final value fee on item, shipping and tax, plus the per order fee.
Profit and margin
What you keep, and your profit after the item cost and shipping.
Price to list at
The item price that keeps the amount you want after fees.
eBay fee calculator
Free to use, no sign-up. The example values are eBay's own worked example from its selling fees page. Change any of them and the result updates as you type; nothing you type leaves your browser.
eBay fees on a 400.00 sale
58.41
Total amount of the sale: 400.00 item + 0.00 shipping + 24.00 sales tax (6%) = 424.00. eBay charges its fees on all of it, tax and shipping included.
Final value fee: 13.6% of 424.00, plus the 0.40 per order fee, = 58.064, which rounds to 58.06.
Insertion and upgrade fees: 0.35.
You keep 341.59 of the 400.00 item price and shipping. Fees take 14.60% of it. The sales tax is collected by eBay, not kept.
Formula
total amount of the sale = item price + shipping charged + sales tax
final value fee = category rate * total + per order fee
other fees = (international + ad + additional rate) * total + insertion fees
you keep = item price + shipping charged - all fees
profit = you keep - item cost - your shipping cost
price to keep a target = (target + per order fee) / (1 - rate * (1 + tax rate)) - shippingRates as published by eBay for US sellers on eBay.com, checked on . Rates change and depend on category, Store subscription and seller level, so confirm yours on eBay's selling fees page before you rely on a figure. Convertica is not affiliated with eBay.
Short answer
An eBay fee calculator adds the item price, shipping and sales tax into the total amount of the sale, then takes eBay's category rate of that total plus a per order fee. In most US categories that is 13.6% plus $0.40. On eBay's own example, a $400.00 item with 6% tax, the final value fee is $58.06.
- eBay charges its final value fee on the total amount of the sale: the item price, the shipping the buyer pays and the sales tax, not the item price alone.
- Most categories without an eBay Store are 13.6% of the total up to $7,500 and 2.35% of the part above, plus $0.30 per order up to $10.00 or $0.40 above.
- A buyer outside the US adds 1.65% unless the item ships with eBay International Shipping; a promoted listing adds its ad rate on the same total.
- To keep a set amount, divide (target + per order fee) by (1 - rate × (1 + tax rate)) and subtract the shipping charged. Adding the fee on top leaves you short.
- Subtract the item cost and your own shipping cost from what eBay leaves you to get the profit on a sale.
How are eBay fees calculated?
eBay fees on a sale are mostly one final value fee: a percentage of the total amount of the sale, which is the item price plus the shipping the buyer pays plus sales tax, and a per order fee of $0.30 or $0.40. In most categories the rate is 13.6% up to $7,500, then 2.35% on the part over $7,500. eBay's own example on its fee page works like this.
- A phone sells for $400.00 with free shipping, and the buyer pays 6% sales tax of $24.00. The total amount of the sale is $424.00.
- Percentage part: 424.00 × 0.136 = 57.664.
- Add the per order fee for an order over $10.00: 57.664 + 0.40 = 58.064, which rounds to a final value fee of $58.06.
- Add the $0.35 insertion fee, charged because the seller had used up the month's free listings: the fees are $58.41.
- The seller keeps $400.00 - $58.41 = $341.59, 85.40% of the item price. The tax goes to the state through eBay.
The calculator above opens with exactly these numbers and gives the same $58.41. eBay's second example, a trading card sold for $9,500 with free shipping and a Bold upgrade, shows the bands: the $10,070.00 total pays 13.25% on the first $7,500 (993.75) and 2.35% on the remaining $2,570.00 (60.395), plus 0.40, for a final value fee of $1,054.55. With the insertion fee and the $4.00 Bold fee the total is $1,058.90, which leaves $8,441.10.
eBay's fee pages do not state a rounding rule. This calculator rounds each fee to the nearest cent, half up, which matches both of eBay's examples to the cent; a real invoice can still differ by a cent.
How to use the eBay fee calculator
- Choose the category. The menu fills in eBay's rate for it, with the higher bands applied on their own. Pick "Custom rate" to type one flat rate.
- Enter the item price and the shipping you charge. Enter 0 for free shipping.
- Enter the buyer's sales tax rate. eBay charges its fee on the tax too, so leaving it out understates the fee.
- Add the fees that apply to you. A buyer abroad, a promoted listing, a seller level below eBay's standards, and any insertion or upgrade fees.
- Add your costs for profit. Optional: the item cost and your own shipping cost give the profit and the margin.
- Set a target. Optional: the amount you want to keep, and the result shows the item price to list at.
eBay final value fees by category
eBay's final value fee depends on the category and on whether you have an eBay Store. Without a Store, or with a Starter Store, most categories are 13.6% and books, movies and music are 15.3%, each up to $7,500 of the total. Some categories change rate by band, others by the size of the whole sale. The table shows what each rate does to a $100 and a $1,000 sale.
| Category | Published rate, plus the per order fee | Fees on $100 | Fees on $1,000 | Note |
|---|---|---|---|---|
| Most categories | 13.6% up to $7,500, then 2.35% on the part over $7,500 | $14.00 | $136.40 | |
| Books & Magazines, Movies & TV, Music (except Vinyl Records) | 15.3% up to $7,500, then 2.35% on the part over $7,500 | $15.70 | $153.40 | |
| Coins & Paper Money (except Bullion) | 13.25% up to $7,500, then 2.35% on the part over $7,500 | $13.65 | $132.90 | |
| Coins & Paper Money > Bullion | 13.6% of the whole total when it is $7,500 or less; 7% when it is over $7,500 | $14.00 | $136.40 | |
| Women's Bags & Handbags | 15% of the whole total when it is $2,000 or less; 9% when it is over $2,000 | $15.40 | $150.40 | |
| Trading cards, collectible card games, comic books | 13.25% up to $7,500, then 2.35% on the part over $7,500 | $13.65 | $132.90 | eBay's row: Comic Books & Memorabilia, Non-Sport Trading Cards, Sports Trading Cards and Collectible Card Games. |
| Jewelry & Watches (except Watches, Parts & Accessories) | 15% of the whole total when it is $5,000 or less; 9% when it is over $5,000 | $15.40 | $150.40 | |
| Watches, Parts & Accessories | 15% up to $1,000, then 6.5% on the part from $1,000 to $7,500, then 3% on the part over $7,500 | $15.40 | $150.40 | |
| NFT categories | 5% of the total | $5.40 | $50.40 | |
| Heavy equipment, commercial printing presses, food trucks | 3% up to $15,000, then 0.5% on the part over $15,000 | $3.40 | $30.40 | eBay's row: Heavy Equipment, Commercial Printing Presses and Food Trucks, Trailers & Carts. Insertion fee $20. |
| Guitars & Basses | 6.7% up to $7,500, then 2.35% on the part over $7,500 | $7.10 | $67.40 | |
| Athletic shoes (men's and women's) | 13.6% of the whole total when it is under $150; 8% when it is $150 or more with no per order fee | $14.00 | $80.00 |
With a Basic, Premium, Anchor or Enterprise Store the rates are lower in most categories and the first band usually ends at $2,500. These are some of the rows on eBay's Store fee page:
| Category | Published rate, plus the per order fee | Fees on $100 | Fees on $1,000 | Note |
|---|---|---|---|---|
| All other categories | 12.7% up to $2,500, then 2.35% on the part over $2,500 | $13.10 | $127.40 | Also eBay's rate for most Antiques, Art, Baby, Business & Industrial, Clothing, Collectibles, Crafts, Home & Garden, Pet Supplies, Sporting Goods and Toys & Hobbies categories. |
| Books & Magazines, most Movies & TV and Music | 15.3% up to $2,500, then 2.35% on the part over $2,500 | $15.70 | $153.40 | |
| Most Cameras & Photo, Cell Phones, Computers, Consumer Electronics and Video Games & Consoles | 9.35% up to $2,500, then 2.35% on the part over $2,500 | $9.75 | $93.90 | Accessories and parts in these categories are mostly 12.7%; check eBay's table. |
| Desktops, laptops, tablets, video game consoles | 7.35% up to $2,500, then 2.35% on the part over $2,500 | $7.75 | $73.90 | eBay's rows also include CPUs, memory, motherboards, hard drives, monitors and printers. |
| Most Coins & Paper Money | 9% up to $4,000, then 2.35% on the part over $4,000 | $9.40 | $90.40 | |
| Bullion | 7.5% of the whole total when it is $1,500 or less; 5% when it is over $1,500 and up to $10,000; 4.5% when it is over $10,000 | $7.90 | $75.40 | |
| Trading cards, collectible card games, comic books | 12.35% up to $2,500, then 2.35% on the part over $2,500 | $12.75 | $123.90 | |
| Most Jewelry & Watches | 13% of the whole total when it is $5,000 or less; 7% when it is over $5,000 | $13.40 | $130.40 | |
| Watches, Parts & Accessories | 12.5% up to $1,000, then 4% on the part from $1,000 to $5,000, then 3% on the part over $5,000 | $12.90 | $125.40 | |
| Women's Bags & Handbags | 13% of the whole total when it is $2,000 or less; 7% when it is over $2,000 | $13.40 | $130.40 | |
| Athletic shoes (men's and women's) | 12.7% of the whole total when it is under $150; 7% when it is $150 or more with no per order fee | $13.10 | $70.00 | |
| eBay Motors parts & accessories (most) | 11.5% up to $1,000, then 2.35% on the part over $1,000 | $11.90 | $115.40 | |
| eBay Motors tires | 9.5% up to $1,000, then 2.35% on the part over $1,000 | $9.90 | $95.40 | |
| Most Musical Instruments & Gear | 10.35% up to $2,500, then 2.35% on the part over $2,500 | $10.75 | $103.90 | |
| Guitars & Basses | 6.7% up to $2,500, then 2.35% on the part over $2,500 | $7.10 | $67.40 | |
| Stamps | 9.7% up to $2,500, then 2.35% on the part over $2,500 | $10.10 | $97.40 |
Sources: eBay's selling fees page and its Store selling fees page, read on . The fee columns are this page's arithmetic, not eBay's figures. Vehicles on eBay Motors, eBay Live and real estate have their own fee pages and are not in the calculator.
What is the eBay per order fee?
The per order fee is $0.30 for an order of $10.00 or less and $0.40 above that, added to the percentage part of the final value fee. eBay counts every item one buyer pays for at checkout with the same shipping method as one order. Athletic shoes are the exception: on a total of $150 or more, eBay charges 8% and no per order fee.
How much does eBay take from a $100 sale?
In most categories without a Store, eBay takes $14.00 from a $100 sale with no shipping and no tax: 13.6% of $100 plus the $0.40 per order fee, which leaves $86.00. With 6% sales tax the total amount of the sale is $106.00, so the fee is $14.82 and you keep $85.18.
| Item price | Fees, no tax | You keep | Fees as a share of the price | Fees with 6% tax | You keep, with tax |
|---|---|---|---|---|---|
| $10.00 | $1.66 | $8.34 | 16.60% | $1.84 | $8.16 |
| $25.00 | $3.80 | $21.20 | 15.20% | $4.00 | $21.00 |
| $50.00 | $7.20 | $42.80 | 14.40% | $7.61 | $42.39 |
| $100.00 | $14.00 | $86.00 | 14.00% | $14.82 | $85.18 |
| $250.00 | $34.40 | $215.60 | 13.76% | $36.44 | $213.56 |
| $500.00 | $68.40 | $431.60 | 13.68% | $72.48 | $427.52 |
| $1,000.00 | $136.40 | $863.60 | 13.64% | $144.56 | $855.44 |
| $1,200.00 | $163.60 | $1,036.40 | 13.63% | $173.39 | $1,026.61 |
| $2,500.00 | $340.40 | $2,159.60 | 13.62% | $360.80 | $2,139.20 |
The per order fee is the same on every order, so it weighs most on cheap items: on a $10.00 sale the fees are $1.66, 16.60% of the price. One cent more, at $10.01, the per order fee becomes $0.40 and the fees $1.76. On a $1,200 sale the fees are $163.60 and on $2,500 they are $340.40, before tax.
Does eBay charge fees on shipping and sales tax?
Yes. eBay charges the final value fee on the total amount of the sale, which its selling fees page says includes the item price, any handling charges, the shipping collected from the buyer, sales tax and any other applicable fees. eBay collects and remits the sales tax in the states it lists, but its fee is still worked out on the tax.
That makes free shipping and charged shipping cost the same in fees when the buyer pays the same total. A $50.00 item with free shipping and a $42.00 item with $8.00 shipping both come to $53.00 with 6% tax, both pay $7.61 and both leave $42.39.
eBay lists exceptions for shipping:
- If you offer 1-day or international shipping alongside a cheaper domestic option, the fee is based on the cheapest domestic option.
- With eBay International Shipping, the fee on shipping is based on your cost to ship to the US shipping hub, and there is none if you offered free domestic shipping.
- Sneakers sold through Authenticity Guarantee with a free label carry no final value fee on the flat shipping charge eBay collects.
Read eBay's page on sales tax for which states it collects in. The calculator applies the tax rate to the item price and the shipping; where a state does not tax shipping, enter the tax as it appears on the order.
What price should I list at to keep a set amount on eBay?
To keep a set amount after eBay fees, add the per order fee to the amount you want, divide by one minus the rate times one plus the tax rate, and subtract the shipping you charge. In most categories with 6% tax and free shipping, keeping $100.00 takes an item price of $117.31.
item price = (target + per order fee) / (1 - rate * (1 + tax rate)) - shipping charged- Target plus the per order fee: 100.00 + 0.40 = 100.40.
- The rate on each dollar of item price, tax included: 0.136 × 1.06, so the divisor is 1 - 0.136 × 1.06 = 0.85584.
- Divide: 100.40 / 0.85584 = 117.31165, so list at $117.31.
- Check it: the fees on $117.31 are $17.31, which leaves $100.00.
With no sales tax the divisor is 1 - 0.136 = 0.864 and the price is $116.20. The shortcut that fails: the fees on $100 with tax are $14.82, so it is tempting to list at $114.82. The fees on $114.82 are $16.95, which leaves $97.87, $2.13 short.
| To keep | List at | eBay fees | You keep |
|---|---|---|---|
| $25.00 | $29.68 | $4.68 | $25.00 |
| $50.00 | $58.89 | $8.89 | $50.00 |
| $100.00 | $117.31 | $17.31 | $100.00 |
| $250.00 | $292.58 | $42.58 | $250.00 |
| $500.00 | $584.69 | $84.69 | $500.00 |
The calculator checks its answer to the cent, and it knows where a category's rate changes. Athletic shoes show why that matters: at $149.99 with no tax the fees are $20.80 and you keep $129.19, while at $150.00 the rate drops to 8% with no per order fee, the fees are $12.00 and you keep $138.00.
eBay profit calculator: profit and margin after fees
Your profit on an eBay sale is what eBay leaves you, the item price plus the shipping charged minus every fee, less what the item cost you and what you paid to ship it. Enter the item cost and your shipping cost in the calculator to see it. Here is one illustrative sale.
- A $45.00 item with $8.00 shipping charged and 6% tax: the total amount of the sale is $56.18.
- eBay's fees in most categories: $8.04. You keep $53.00 - $8.04 = $44.96.
- Less the $15.00 the item cost and $7.50 of postage: a profit of $22.46, a 42.38% margin on the $53.00 the buyer paid before tax.
- Promote the listing at a 5% ad rate and the ad fee is $2.81: the profit falls to $19.65, a 37.08% margin.
To make $25.00 of profit on the same sale, enter it as the amount you want to keep: the calculator says to list at $47.97.
The margin here is profit over item price plus shipping. Work out a margin or a markup from your own figures with the margin calculator, and the profit over a month, after ads and overheads, with the profit calculator.
If you also sell on your own website
On your own store the per sale cost is a payment fee rather than a marketplace fee; the PayPal fee calculator and Stripe fee calculator work it out the same way. What you then pay for is the traffic, so the share of visitors who buy matters more. Convertica's free CRO audit checks a page on your own site: the first screen, calls to action, forms, trust, mobile, speed and AI agent readiness, ranked by likely impact.
Which other eBay fees should a seller plan for?
Beyond the final value fee, eBay's US fee pages list an international fee, ad fees for promoted listings, additional fees for sellers below its standards, insertion fees after the free listings, optional upgrades and a dispute fee. Each percentage below is charged on the total amount of the sale; the examples use eBay's $424.00 example total.
| Fee | Published amount | Example |
|---|---|---|
| International fee: buyer's delivery or registered address outside the US, not sent with eBay International Shipping | 1.65% of the total amount of the sale | $7.00 on $424.00 |
| Promoted listing, general strategy | The ad rate you choose, 2% to 100% of the total sale amount, only if the item sells within 30 days of a click on the ad | $21.20 at 5% |
| Seller level Below Standard | An additional 6%, or 7% after four or more months in a row | $25.44 at 6% |
| 'Item not as described' return rate Very High | An additional 5% in those categories, or 6% after four or more months; not charged on top of Below Standard | Charged on sales in the following month |
| Insertion fee | 250 free listings a month without a Store, then $0.35 per listing, per category | Not refunded if the item does not sell |
| Upgrades on a fixed price listing | Bold $4.00, Gallery Plus $1.00, Subtitle $2.00 (item price up to $150) or $6.00 | Charged again each time a Good 'Til Cancelled listing renews |
| Dispute fee | $20.00 per dispute you are found responsible for, such as a chargeback | Excluding sales tax |
| Seller currency conversion charge | 3.25% for a US registered address, when eBay converts funds for a sale on another eBay site | Built into eBay's exchange rate |
Ad fee terms are from eBay's promoted listings page; the rest are from the selling fees page. If you refund a buyer or cancel a sale, eBay says you may be eligible for fee credits under its fee credits policy.
Is an eBay Store subscription worth the fees?
An eBay Store pays for itself through fees when the lower final value fee saves more than the subscription costs. In most categories the rate falls from 13.6% to 12.7% with a Basic Store, a gap of 0.9%. At $21.95 a month on a yearly renewal, that covers the subscription from about $2,438.89 a month of sales at those two rates.
monthly sales to cover a Store = subscription per month / (rate without a Store - rate with one)On a monthly renewal, $27.95, the figure is $3,105.56. A Starter Store charges the same final value fees as no Store. A Store also brings more free listings, which this sum leaves out. eBay's own Store example, a $400 handbag with 6% tax on a Basic Store, pays a final value fee of $55.52 and leaves $344.48.
| Store | Monthly renewal | Yearly renewal |
|---|---|---|
| Starter | $7.95 | $4.95 |
| Basic | $27.95 | $21.95 |
| Premium | $74.95 | $59.95 |
| Anchor | $349.95 | $299.95 |
| Enterprise | Not currently available | $2,999.95 |
How can I lower my eBay fees?
You lower eBay fees by choosing the right category and Store level, avoiding the fees that are optional, and staying above eBay's seller standards. No setting removes the final value fee on a sale. Each point below comes from eBay's published US fee pages.
- List in the right category. Rates run from 12.7% or 13.6% in most categories to 15.3% for books, movies and music, and lower for some electronics on a Store.
- Do the Store sum. Use the formula above with your own monthly sales before you subscribe.
- Stay above Below Standard. Falling below it adds 6% of every total in the following month.
- Ship abroad with eBay International Shipping. eBay does not charge the 1.65% international fee on eligible items sent that way.
- Use the free listings first. Insertion fees start after the 250 free listings a month, and a second category costs a second insertion fee.
- Count ad fees before you promote. The ad rate is charged on the whole total, tax and shipping included.
- Raise the order size. One per order fee per order means a larger basket carries less fee per dollar.
How to calculate eBay fees in Excel or Google Sheets
To calculate eBay fees in Excel or Google Sheets, work out the total amount of the sale first, then the fee on it. With the item price in A2, shipping in B2, the tax rate in C2 and the category rate in D2, both as percentages, the total is =ROUND((A2+B2)*(1+C2),2) and the final value fee follows from it. The same formulas work in both programs.
| To get | Formula | Cells |
|---|---|---|
| Total amount of the sale | =ROUND((A2+B2)*(1+C2),2) | Into E2 |
| Final value fee | =ROUND(E2*D2,2)+IF(E2<=10,0.3,0.4) | Into F2 |
| What you keep | =A2+B2-F2 | Subtract any other fees too |
| Profit | =A2+B2-F2-G2-H2 | Item cost in G2, your shipping cost in H2 |
| Price to keep a target | =(I2+0.4)/(1-D2*(1+C2))-B2 | The amount to keep in I2; round up to the cent |
Related calculators
eBay's fees are one cost between the price and the profit. These calculators cover the rest of the sum.
See all free tools and how they fit together.
eBay fee calculator FAQ
How does an eBay fee calculator work?
An eBay fee calculator adds the item price, the shipping charged and the sales tax into the total amount of the sale, multiplies it by the category's final value fee rate and adds the per order fee. On eBay's own example, 13.6% of $424.00 plus $0.40 is $58.06. Any international, ad or insertion fee is added on top.
How much does eBay take from a $100 sale?
In most categories without an eBay Store, eBay takes $14.00 from a $100.00 sale with no shipping or tax: 13.6% of $100.00 plus the $0.40 per order fee, which leaves $86.00. With 6% sales tax the total is $106.00, the fee $14.82, and you keep $85.18.
How much are eBay fees on $1,200 or $2,500?
In most categories, with no shipping or tax, the eBay fee is $163.60 on $1,200.00 and $340.40 on $2,500.00: 13.6% of the sale plus $0.40. You keep $1,036.40 and $2,159.60. With 6% sales tax the fees are $173.39 and $360.80, because eBay charges on the tax too.
What percentage does eBay take?
eBay's final value fee is 13.6% of the total amount of the sale in most US categories without a Store, plus a per order fee. eBay's Seller Center puts the range at 2.5% to 15.3% depending on the category. Basic and higher Store subscribers pay 12.7% in most categories.
Does eBay charge fees on shipping and sales tax?
Yes. eBay's selling fees page says the total amount of the sale includes the item price, handling, the shipping collected from the buyer and sales tax, and the final value fee is a percentage of that total. Exceptions include eBay International Shipping, where the fee on shipping is based on the cost to the US shipping hub.
What is the eBay per order fee?
eBay's per order fee is $0.30 for an order of $10.00 or less and $0.40 for an order over $10.00, added to the percentage part of the final value fee. Athletic shoes are the exception: on a total of $150 or more, eBay charges 8% with no per order fee. An order is every item one buyer pays for at checkout with the same shipping method.
How do I calculate my profit on eBay?
Take the item price plus the shipping the buyer paid, subtract every eBay fee, then subtract what the item cost you and what you paid to ship it. A $45.00 item with $8.00 shipping and 6% tax pays $8.04 in fees and leaves $44.96; after a $15.00 item cost and $7.50 of postage the profit is $22.46.
What price should I list at to keep a set amount on eBay?
Divide the amount you want plus the per order fee by one minus the rate times one plus the tax rate, then subtract the shipping you charge. To keep $100.00 in most categories with 6% sales tax and free shipping, list at $117.31: the fees are $17.31. Adding the fee on top instead leaves you $2.13 short.
What is eBay's international fee?
eBay charges a US seller an international fee of 1.65% of the total amount of the sale when the buyer's delivery address or registered address is outside the US. It is not charged on eligible items shipped with eBay International Shipping. On eBay's $424.00 example total it is $7.00.
How much do eBay Promoted Listings cost?
With the general strategy you choose an ad rate between 2% and 100% of the item's total sale amount, shipping and taxes included, and pay it only when the promoted item sells within 30 days of a click on the ad. At a 5% ad rate, eBay's $424.00 example total adds $21.20.
Do I pay PayPal or card fees on top of eBay fees?
No separate payment processing fee applies to a normal eBay sale. eBay's selling fees page says it charges one final value fee when the item sells and that you don't have to worry about third-party payment processing fees. The fees in this calculator are the ones eBay lists.
Is an eBay Store worth it?
An eBay Store pays for itself through fees when its lower rate saves more than the subscription. In most categories the rate falls from 13.6% to 12.7% with a Basic Store, which costs $21.95 a month on a yearly renewal, so the saving covers it from about $2,438.89 a month of sales at those rates. Free listings and tools are the other part of the decision.
Does eBay refund fees when an item is returned?
eBay's selling fees page says that if you refund the buyer or cancel the sale, you may be eligible for fee credits under its fee credits policy. Insertion fees are not refunded if an item does not sell. Check the fee credits policy for the cases that qualify before you count on a credit.
How do I calculate eBay fees in Excel or Google Sheets?
With the item price in A2, the shipping charged in B2, the tax rate in C2 and the category rate in D2 (both as percentages), the total is =ROUND((A2+B2)*(1+C2),2) in E2 and the final value fee is =ROUND(E2*D2,2)+IF(E2<=10,0.3,0.4) while the total stays in the first band. What you keep is =A2+B2 minus the fees.
