Who we are
Oscar Kiki makes digital products, mostly spreadsheets for dividend investors and for people who sell what they make. 313 Audio is our music-software brand, and its plugins are at 313audio.com.
What we make
- The shop lists every product we sell, with its price and where to buy it.
- The Dividend Paycheck Planner is a spreadsheet that shows which of your bills your dividends already pay.
- Free: the Etsy Fee Calculator, the Dividend Income Calculator and the Dividend Safety Checklist, a one-page PDF with seven checks to run on a dividend stock.
How our calculators work
Both calculators run in your browser. If you use a calculator’s email form, your main results are saved with your sign-up.
Etsy Fee Calculator
It uses Etsy's fees for US sellers, checked October 2026:
- Listing fee: $0.20 per sale, because Etsy renews the listing when it sells.
- Transaction fee: 6.5% of the item price plus the shipping you charge.
- Payment processing: 3% of the whole order, including sales tax, plus $0.25.
- Offsite Ads, if you tick the box: 15% of the order (12% for shops over $10,000 a year), capped at $100.
- Currency conversion, if you tick the box: 2.5% of the order.
You keep = item price + shipping charged − Etsy fees − your costs
Your costs are materials and packaging, the shipping label, Etsy Ads per sale and, if you enter it, your time at your hourly rate. Margin is what you keep divided by price plus shipping. The suggested prices solve the same equation for a 0%, 30%, 40% and 50% margin and round up to the cent. With free shipping and no extra fees, that comes to (your costs + $0.45) ÷ (0.905 − the margin you want). Your Etsy payment account shows the exact fees on each order.
Dividend Income Calculator
Portfolio needed = monthly goal × 12 ÷ yield
A $500 monthly goal at a 4% yield is $500 × 12 ÷ 0.04 = $150,000. What you earn today is the amount invested × yield ÷ 12.
The years-to-goal figure is a month-by-month projection. Each month your holdings grow at the yearly price growth you set (3% a year unless you change it), you add your monthly amount, and, if reinvesting is on, dividends go back in until your monthly income reaches the goal. It assumes the yield never changes and stops counting at 60 years. Real markets move less evenly, so treat it as a rough estimate. All results are before tax.
Sources: fee rates from Etsy's Fees & Payments Policy (US sellers, checked October 2026). Etsy changes its fees from time to time. For how dividends are taxed, see the IRS page Topic no. 404, Dividends.
How we make the files
Our products are designed by Oscar Kiki with the help of AI tools, and every formula is tested before release. Each of our Etsy listings says the same.
Where we sell
You can buy on this site, where card payments are processed by Stripe through HubSpot Payments, or in our Etsy shop, OscarKiki. Some products are sold only on Etsy, and the shop page says which. Oscar Kiki isn’t affiliated with Etsy.
Education, not advice
The dividend calculator, the checklist, the Planner and our dividend notes are general education, not investment, tax or legal advice. They do the math on the numbers you enter and don’t recommend any stock or fund. Examples are illustrations, and past dividends don’t guarantee future dividends.
Refunds and help
If a file won’t open or doesn’t do what its page says, reply to your receipt and we’ll fix it or refund you. If you bought on Etsy, you can also message us there. For anything else, email hello@oscarkiki.com.