Back to Toolkit

Payment Reserve Calculator NEW SELLER

Etsy holds up to 75% of your sales for 45 days if you're a new seller. This can kill your cash flow. Use our calculator to see exactly how much will be held and plan your expenses.

Financial Inputs

$

Your total revenue before any fees or reserves.

0%75%100%

Etsy usually sets this to 75% for new sellers.

Cash Flow Breakdown

Reserved
$750.00
Immediate
$250.00

Cash Availability Score

🚨 CRITICAL: You only have access to 25% of your money. You will likely need personal savings to cover material costs for the first 45 days.

Top Tip: Use Etsy Labels to provide automatic tracking. This can release funds as soon as the carrier scans the package.

What is an Etsy Payment Reserve and How Does it Work?

An Etsy Payment Reserve is a percentage of your sales that Etsy keeps in "holding" to cover potential refunds, chargebacks, or disputes. This usually happens to new shops, shops with sudden sales spikes, or shops that don't provide tracking info.

Currently, Etsy's standard reserve is 75% of a sale. The funds are usually released after 45 days, or as soon as Etsy can verify the package has been delivered (if you use valid tracking). This tool helps you visualize that impact so you aren't left without material money.

💸

High Reserve (75%)

Most reserves start at 75%. This means if you sell an item for $100, Etsy holds $75 and only gives you $25 immediately.

⏱️

45-Day Hold

Standard reserve periods last for 45 to 90 days. During this time, every sale you make is subject to the reserve percentage.

🚚

Release with Tracking

The fastest way to get your money released is to buy shipping labels directly from Etsy or provide valid tracking numbers for every order.