Payout threshold planner

A minimum payout is not a fee, but it behaves like one: it holds your earnings until you cross a line someone else drew. This shows how long that takes and what it costs.

Why the threshold matters more at small volumes

At earnings well above the minimum, a threshold is an inconvenience. At earnings below it, your money sits with the program indefinitely. A $100 minimum against $35 a month means three months of work is always outstanding, and a program that closes your account for inactivity can keep it.

Withdrawal fees

A fixed fee per withdrawal is regressive: it costs proportionally more the smaller and more frequent your payouts. The tool expresses annual fees as a share of annual earnings, which is the only figure that makes two programs comparable.

What this does not model

Currency conversion spreads, held-back reserves against chargebacks, and clauses that void unpaid balances after a period of inactivity. All three are common and all three are worth reading for specifically.