Earns.io

SIDE BY SIDE

Put two or three platforms side by side

Pick the ones you are actually choosing between. The same questions get asked of each, the answers come off the company's own pages, and every figure carries the day we read it.

Places that pay youThings you build on

Eight questions about what it costs and who owns the result, asked of each one.

2 PLATFORMS · 8 QUESTIONS · 3 ANSWERED BY ALL

You picked one, so a second column was added to give it something to sit next to. Change it above.

Mailchimp
Gumroad

What it costs you

What it really costs to startAll in, not the first-year promotional price.
MailchimpPricingFree: a basic Free plan you can downgrade to at any time, and a 14-day free trial of the Standard plan with no credit card required, though overages apply if a contact or email send limit is exceededsource · checked 2026-09-12
Gumroad10% + $0.50 per sale, nothing upfrontNo signup or subscription cost to start selling; Gumroad's cut is 10% + $0.50 per transaction on sales through your own profile or links.source · checked 2026-09-07
What it costs to keep alivePer year, once the introductory pricing is over.
MailchimpPricingEssentials starts at $13 /month and Standard at $20 /month, both rising with the number of contacts and with overages beyond the contact or email send limit; businesses with 10,000+ contacts get 15% off for 12 monthssource · checked 2026-09-12
GumroadNo monthly feeNo monthly or annual fee to keep a store open; the only recurring cost is the percentage deducted from each sale.source · checked 2026-09-07

The gate before the first cent

The gate before it pays anythingThe traffic, sales or balance you must reach before a single cent moves.
MailchimpWe have not checked this one yet
GumroadPays out at a $100 balance$100 USD balance, with higher local minimums in a long list of countriessource · checked 2026-09-08 · read the page
How long before the first paymentThe gap you have to fund out of your own pocket.
MailchimpWe have not checked this one yet
Gumroad25% held 90 days above a 15% refund rateNo fixed payout schedule in the terms; above a 15% refund rate Gumroad reserves 25% of a seller's pending funds for 90 days on a rolling basis.source · checked 2026-09-07

Is it yours or theirs

Who owns what you buildYours, or a room you are allowed to sit in until the rules change?
MailchimpWe have not checked this one yet
GumroadSeller owns it; licence is perpetual and irrevocableSellers keep ownership, but grant Gumroad a perpetual, irrevocable, worldwide, non-exclusive and fully sublicensable licence over their content.source · checked 2026-09-07
Can you take it with youThe domain, the list, the content. What actually leaves with you.
Mailchimp3. Closing Your AccountYou or Mailchimp may terminate the Agreement at any time and for any reason, and you can cancel or downgrade to the Free plan at any time, but Mailchimp will not refund or reimburse you in any situation except as specifically provided in the Termssource · checked 2026-09-12
GumroadWe have not checked this one yet
Can it be soldIs there a resale market, and what does it pay?
MailchimpWe have not checked this one yet
GumroadNo transfer without consentNot freely sellable: handing your account and username to another party without Gumroad's consent is listed as prohibited conduct.source · checked 2026-09-07
What takes it all awayThe single rule, ban or dependency that ends it overnight.
Mailchimp3. Closing Your AccountIf your account is inactive for 24 or more months, Mailchimp may terminate it with no refund for prepaid amounts or unused Pay as You Go credits; it may also terminate at any time, with or without cause, by giving noticesource · checked 2026-09-12
GumroadTermination without cause or noticeGumroad may halt sales and suspend or terminate an account at any time, in its sole discretion, without cause or notice.source · checked 2026-09-07

There is no winner at the bottom of this table

Nothing here gets added up. A score would have to decide that these questions weigh the same for everyone, and they do not. A lower cash-out bar is better if you need the money this month and worse if it arrives as a gift card you cannot spend on rent. One payout method is fine right up until it is the one that does not work where you live.

The rows worth your attention are usually the ones where the columns disagree about whether to answer at all. A platform that publishes its fee and a platform that does not are not two platforms with different fees. One of them has told you, and you can hold them to it.

Rows marked as not checked are about us, not about them. They mean nobody here has gone looking yet, and they stay visible for that reason. Found a figure that has moved? Tell us, and it gets a new source and a new date rather than a quiet edit.

ALL PLATFORMS