Cash registry fee calculator
See how much of every gift you actually keep on RegistryBee, Zola, The Knot, Honeyfund and Joy, and what your guests pay at checkout.
What this means for you
On $5,000.00 of gifts, you keep $5,000.00 with RegistryBee: every dollar your guests gave. Nothing comes out of your payout, and it is free for you.
That is $175.59 more than you would keep with Honeyfund (payout to bank account).
| Registry | You keep | Taken from you | Guest pays per gift | Who pays the fee |
|---|---|---|---|---|
| RegistryBeeCard at checkoutYou keep 100% of every gift. Guests pick real items from any store, and payouts land in your bank every Monday. | $5,000.00100.0% of gifts | $0.00 | $103.30 | Guest |
| ZolaCard, guest covers fee (default)Guests cover the fee by default. | $5,000.00100.0% of gifts | $0.00 | $102.50 | Guest |
| The KnotReportedCard, guest pays feeReported cap of $1,000 per contribution. Reported that couples cannot take the fee on themselves. | $5,000.00100.0% of gifts | $0.00 | $102.50 | Guest |
| JoyCard through StripeGuests pay the card fee, and you pay $1.70 each time you transfer to your bank. | $4,998.30100.0% of gifts | $1.70 | $103.50 | Guest and couple |
| HoneyfundPayout to PayPal or VenmoDeducted from what you receive. | $4,890.0097.8% of gifts | $110.00 | $100.00 | Couple |
| ZolaCard, couple covers feeThe fee comes out of your money when you transfer to your bank. | $4,875.0097.5% of gifts | $125.00 | $100.00 | Couple |
| HoneyfundPayout to bank accountDeducted from what you receive, plus a flat fee per transfer. | $4,824.4196.5% of gifts | $175.59 | $100.00 | Couple |
Edit the fee rates
Rates change. If a platform shows you something different, type it here and the table updates. Your edits are saved in the share link. RegistryBee's guest rate is charged on the full amount paid, so it stays grossed up if you edit it.
Sources, checked 2026-11-07
- RegistryBeeOur own checkout. 2.9% + 30 cents is charged on the full amount the guest pays, so the fee is grossed up: (gift + 0.30) / (1 - 0.029) - gift.
- ZolaZola help center: 2.5% fee, guests cover it by default, couples can switch to covering it in settings. Venmo option: https://www.zola.com/faq/115002838152
- The KnotReportedWe could not open this help page directly. The figures come from search excerpts of The Knot's help center, and one older article is worded differently, so treat them as reported.
- HoneyfundHoneyfund fee page. It gives rates as of both March and August 2026 and says they may change. No guest fee; the cost comes out of the couple's payout.
- JoyJoy help center: 3.5% card fee paid by the guest and a $1.70 flat fee per transfer, both to Stripe. Joy says the rate can change, and one Joy blog post says 2.9%.
Rather have the cash than the blender?
RegistryBee lets you list gifts from any store and receive the money instead. It is free for couples and parents-to-be.
How the calculator works
Cash registries take their fees in one of two places. Some add a fee on top of the gift at checkout. Others take it out of your payout, so less of each gift reaches you. This calculator works out what you keep on each registry and sorts by it, most first, because that is the money you actually get to spend.
For each option it works out the guest fee on one gift, rounds to the cent, and multiplies by your number of gifts. Then it takes any percentage from your total and adds flat fees per bank transfer, which is why the transfer count is an input. Every rate comes from the platform's own help or pricing page where we could open it, with the source listed under the table. Rates change, so open Edit the fee rates if a platform shows you a different number.
How RegistryBee's fee works
RegistryBee is free for couples. You keep 100% of every gift, and the money lands in your bank every Monday with no transfer to request. Guests pay 2.9% + 30 cents at checkout, charged on the full amount they pay: guest fee = (gift + $0.30) / (1 - 0.029) - gift, rounded to the cent. A $100 gift costs the guest $103.30.
The fee applies once per checkout, so a guest buying two gifts together pays the 30 cents once. This calculator treats each gift as its own checkout.
A worked example
Take 50 gifts of $100 each, or $5,000 in total, with one bank transfer.
- RegistryBee: you keep $5,000. Nothing is taken from you.
- Zola, guest covers the fee: you keep $5,000.
- Joy by card: you keep $4,998.30 after the $1.70 transfer fee.
- Honeyfund to PayPal or Venmo: you keep $4,890.
- Zola, you cover the fee: you keep $4,875.
- Honeyfund to your bank: you keep $4,824.41.
With RegistryBee every dollar your guests give reaches you, and you can add gifts from any store, so guests still get to pick something real for you.
Edge cases
- More transfers: on Joy and Honeyfund's bank payout, each transfer adds a flat fee. RegistryBee has none.
- Mixed payment methods: a fund that also shows a Venmo handle will land between its rows.
- Joy's rate: Joy's help center gives 3.5%, says it can change, and a Joy blog post says 2.9%. We use the help center figure.
Once you have picked a registry, our registry wording generator will help you share it with guests.
Frequently asked questions
- How much of each gift do you keep on a cash registry?
- On RegistryBee, all of it. It is free for couples and nothing comes out of your payout, so you keep 100% of every gift with no transfer fees. On Zola with the couple covering the fee you keep 97.5%, and Honeyfund bank payouts take 3.5% plus $0.59 per transfer.
- What does RegistryBee charge?
- Nothing for couples. Guests pay 2.9% + 30 cents at checkout, charged on the full amount they pay, so a $100 gift costs the guest $103.30 and you receive $100.
- Who pays the fee on a Zola cash fund?
- Guests pay it by default. Zola's help center says the fee is 2.5% and couples can switch to covering it in their account settings, in which case it is collected when they transfer funds to their bank.
- Does Honeyfund charge guests a fee?
- Honeyfund's fee page says guests pay no processing fee. The cost comes out of your payout instead: 2.2% to PayPal or Venmo, or 3.5% + $0.59 per transfer to a bank account.
- How often does RegistryBee pay out?
- Every Monday, straight to your bank account through Stripe. There is no transfer to request and no transfer fee.
- Why does the table say reported next to The Knot?
- We could not open The Knot's help pages directly when we checked, so its figures come from search excerpts of those pages. We label that as reported rather than confirmed. You can edit the rate if you see something different.
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