An Etsy deposit can look simple in a bank account: one amount arriving on one day. Working out what sits behind it is less simple. Sales, refunds, advertising charges, shipping labels and several kinds of fees may be spread across rows in a statement, while the deposit combines them into a single sum. That makes it hard to tell what a shop actually kept, or whether a particular product was worth selling.
PayoutPeek is a browser-based tool for turning those marketplace files into a financial breakdown. Its central job is not bookkeeping in general. It takes an Etsy monthly statement, or a TikTok Shop settlement report, and organizes the figures into take-home totals, fees, deposits and, with extra cost information, product profit.
From downloaded file to payout breakdown
The workflow starts outside PayoutPeek. An Etsy seller downloads a monthly statement as a CSV from Shop Manager, then drops that file into the browser tool. For TikTok Shop, the accepted settlement files are XLSX or CSV. There is no bank login or Etsy password involved, and the tool is not described as connecting to a live shop account. You bring it an export yourself.
PayoutPeek says the file is read in the browser tab and is not uploaded to or stored on its servers. That approach keeps the workflow limited to the statement the seller supplies. It also means the result depends on having the right export available, rather than on a background sync that updates automatically.
After the file is read, the free preview shows totals, a fee breakdown and the top red flags. The more detailed view is meant to answer questions the headline payout cannot: which charges were applied, what made up each deposit, and how much each product brought in after marketplace costs. A sample-data option lets someone inspect the analyzer using fictional shops and files in the platforms' export formats before supplying their own statement.
What the numbers can tell you
For Etsy, the tool groups charges such as transaction and processing fees, listing costs, regulatory fees, advertising and shipping labels. It also accounts for refunds and taxes Etsy collects for the state when calculating take-home, according to the product description. That can help reconcile why a bank deposit differs from the sales total shown elsewhere in a shop's records.
The product-level view is a more useful step than simply listing fees. It is intended to show fee percentages and net amounts per order, and to flag Offsite Ads charges. Sellers can add their own cost per sale to estimate actual profit. That last step matters: a marketplace statement cannot know the cost of materials, labor or other expenses unless the seller supplies them. Without those inputs, the app can show what remains after marketplace transactions, but not the full economic profit of a handmade item.
PayoutPeek also offers a way to combine up to a year of Etsy statements in its paid tier. Sellers using both Etsy and TikTok Shop can use the multi-platform option to view reports side by side. The tool is available on the web, and the developer offers a free plan with a paid upgrade.
Where the boundaries are
This is an analysis layer for marketplace exports, not tax software or an accounting system. PayoutPeek itself says it organizes statement numbers rather than giving tax or accounting advice. A seller still needs to interpret the results in the context of their books and consult a qualified professional for tax questions.
There is also a geographic caveat. The product says it can read statements in any currency and recognizes VAT and regulatory fee rows, but is tuned for US shops first. Sellers elsewhere may find the categories useful, but should not assume every local fee or workflow is handled equally well. And because the process begins with a downloaded statement, it will not remove the manual task of obtaining and importing the file.
That makes PayoutPeek most relevant to Etsy sellers who are puzzled by the gap between sales and deposits, or who want to spot products carrying a heavy fee burden. It may also suit sellers on TikTok Shop who want settlement details organized alongside Etsy figures. It is a poor fit for anyone looking for automatic account syncing, complete cost accounting without entering their own costs, or tax advice. Its value is narrower and clearer: make the platform's payout records easier to inspect.
See where every Etsy dollar went