Community
vs.
Self-Hosted

I started researching this to prove these platforms are unfair. What I found is more nuanced. It comes down to one X factor: your audience, and what owning it is worth. Plug in your numbers and judge for yourself.

Figures come from each platform's own fee pages and published studies, gathered with help from AI research tools. Fees change — please verify before you rely on them.

Ten sites.
162 billion visits a month.

In August 2026 the ten most-visited websites logged an estimated 162 billion visits. Alphabet's two alone took 117 billion. Five of the ten are social platforms. And one of them, ChatGPT, launched in late 2022.

AlphabetMetaOtherAI
google.com
86.6B
youtube.com
30.4B
facebook.com
11.5B
instagram.com
7.6B
chatgpt.com
5.6B
x.com
4.6B
reddit.com
4.2B
bing.com
3.8B
tiktok.com
3.8B
whatsapp.com
3.7B

Monthly visits, August 2026. Similarweb estimates.

What gets taken
before you get paid

Platform fees come from each platform's own pricing pages. Ad spend and earnings benchmarks come from the studies cited. Commerce rows use US pricing, include card processing and assume a $50 order.

Video & adsCommerceNewsletterYou own it
YouTube long-form
creator gets 55% of ad revenue
45%
AdSense
about 32% combined, when Google Ads is the buyer
32%
Amazon
15% referral (most categories) + 11.2% sample-median ad spend
26.2%
Etsy + Offsite Ads
15% ad fee under $10K/yr (12% above), $50 order
25.4%
Mediavine / Raptive
Mediavine Official tier / Raptive standard
25%
eBay
13.6% + $0.40/order, processing incl. (also charged on tax collected)
14.4%
Etsy
listing + 6.5% + processing, $50 order
10.4%
Substack
platform fee, on top of Stripe
10%
Shopify Basic
2.9% + 30¢ per sale — plus $39/mo, not in this %
3.5%
Self-hosted + Stripe
card processing only, $50 order
3.5%
Direct-sold ads
no middleman
0%

A lower percentage isn't automatically more money. What the percentage doesn't show is what each platform brings you — the sections below put a number on that.

YouTube vs.
hosting it yourself

YouTube pays creators 55% of the ad revenue a long-form video earns. Hosting video yourself costs bandwidth for every minute watched — and you'd have to sell the ads yourself.

Break-evenUnder these assumptions, owning it breaks even at 76% of views kept
Your guess, as a share of your yearly views. Loyal viewers who'd click a link — not views YouTube's recommendations brought you.
Median $2.30 · Education median $10.22 (AIR, 300 channels). RPM also includes Premium and memberships, so the ad revenue implied from it is an upper-bound assumption.
100% assumes you sell ads at the same gross rate per view YouTube does. Selling your own ads is the hard part.
Long-form average in Metricool's Feb 2026 sample: 2.51 min (799,718 videos). Long podcasts and streams run far higher — and so does the bandwidth bill.
Video host
$0.01/GB delivered (NA/EU). Assumes ~5 Mbps ≈ 0.0375 GB/min. Video storage not included.
Implied gross ad revenue (assumption): $4,182
On YouTube$2,300
You keep 55%YouTube keeps $1,882
Self-hosted$3,090
You keepHosting + site $1,092Views you didn't keep $0
Own it
Owning it comes out $790 ahead
Under these assumptions you clear break-even (76%).

Social pays least
per view

Social apps have the biggest audiences — and pay creators the least for bringing them. They don't charge you for hosting. They sell reach. That's the part AI could change. (This is native per-view pay only — sponsorships, affiliate and subscriptions are separate.)

Native platform payouts per million views
YouTube long-form$2,300
Median RPM across 300 channels (AIR, measured). For comparison.
TikTok Creator Rewards$400–$1,000
Per 1M qualified views; roughly half of views qualify. Creator-reported — TikTok publishes no rate.
YouTube Shorts$20–$200
Most niches (AIR, 274 channels, measured)
Instagram Reels~$0
No standard per-view payout for most creators; Meta runs occasional invite-only bonuses

Marketplace vs.
your own store

Marketplaces collect and remit sales tax where marketplace-facilitator laws apply, and bring buyers you'd never find. Your own store keeps more of each sale — but only of the sales that actually come with you.

Leaving Amazon
77%
of your sales must follow you for your own store to win on fees alone.
Leaving eBay
90%
of your sales must follow you for your own store to win on fees alone.
Leaving Etsy
94%
of your sales must follow you for your own store to win on fees alone.
You sell on
Your guess. Repeat customers and your own audience yes; marketplace search shoppers no.
0% = fee-only comparison. Add your real costs to see contribution break-even. Assumes you ship yourself on every channel.
Median 11.2% (SellerStack, 44 accounts, 2026)
15% fee under $10K/yr, 12% and mandatory above it
Amazonafter fees $73,320
15% referral + $39.99/mo + 11.2% ads · sales tax handled for you
eBayafter fees $85,600
13.6% + per-order fee, processing included · sales tax handled
Etsyafter fees $89,600
listing + 6.5% + 3% + 25¢ · sales tax handled
Shopify Basicafter fees $95,694
2.9% + 30¢ + $39/mo + Shopify Tax 0.35% over $100K + disputes · brings no buyers, so same 100% followed
Your own site + Stripeafter fees $95,508
2.9% + 30¢ + Stripe Tax 0.5% + disputes + VPS & domain · 100% of sales followed
Own it
Owning it comes out $22,188 ahead
Under these assumptions you clear break-even (77%).

Substack vs.
self-hosted

Yes, this article is on Substack. Both sides pay the same Stripe fees. Substack takes 10% on top — and says its own network brings in 25–30% of paid subscriptions.

Break-evenUnder these assumptions, self-hosting breaks even at 90% of paid subscribers following you
Your guess. Substack says its network drives 25% of new paid subs (Feb 2024) and "30%+" of paid subs (About page) — platform-wide acquisition stats, not how many of yours would follow you.
Substack / year
$50,040
all your subscribers, after 10% + the same Stripe fees
Self-hosted / year
$55,882
subs who followed, after Stripe 2.9% + 30¢ + 0.7% Billing, VPS, domain, 4 emails/mo via SES
Own it
Owning it comes out $5,842 ahead
Under these assumptions you clear break-even (90%).

What owning it costs

Already counted in every self-hosted number above. Renewal prices, not promos.

$143.88/yr
VPS
Hostinger KVM 1 renewal, $11.99/mo on a term plan (intro $6.49)
$10.46/yr
Domain
Cloudflare Registrar .com, at cost
0.5%
Sales tax tool
Stripe Tax, where registered — marketplaces do this for you
$15 + sale
Each chargeback (modeled)
0.26% of orders (Sift Q3 2025, cross-industry). Assumes the sale is lost; contesting adds $15 more
$0.16 / 1K
Email sending
Amazon SES Essentials, default for new accounts
$1 / 1K min
Video delivery
Cloudflare Stream; Bunny from $0.01/GB

This is
for everyone

At the opening ceremony of the 2012 London Olympics, Tim Berners-Lee sat at a computer in the middle of the stadium and sent four words that lit up the crowd: "This is for everyone." The web he built was a level field. Your site, your audience, everything it earned.

"The web is being hijacked from an ‘intention economy’ to an ‘attention economy.’"

Tim Berners-Lee, Harvard Book Store talk, October 2025, on tour for his book This Is for Everyone

The giants won on two things: they were easier to set up, and they brought the visitors. AI has slashed the first. Building a site, store or channel now takes days, not a dev team. Running one is still work.

The second is already moving. Half of US adults now use AI chatbots, up from a third in 2024, and 42% use them to look things up. Google is folding AI answers into its own search. And in January 2026 it launched an open standard, the Universal Commerce Protocol, for AI agents to check out directly with merchants that adopt it, starting inside Google's own AI Mode and Gemini.

Now take the next step. An AI company, or an open-source project, builds a shared index of video, products and writing. You submit your link; it does the finding. AI becomes the hub, the search engine and the bringer of eyeballs. The audience still arrives. It just lands on your site.

It could go the other way. Pew found people clicked a regular result on 8% of Google visits that showed an AI summary, versus 15% without one. AI can become a new gatekeeper that answers without sending the visit. This only works if discovery keeps a road back to independent sites.

Berners-Lee sketched this in a 1998 design note he called the fractal web: the same structure at every scale, from one person's site to the giants. If discovery moves to AI and AI points to you, every break-even number on this page moves. That's my bet. Not if. When.

Sources

Checked October 9–10, 2026, with help from AI research tools. Fees change — verify before you rely on them.

Edward Ryan · edwardryan.dev · Built, not bought