How to use the crypto fee calculator
Enter the amount you plan to spend, then fill in each cost from the exchange's own fee schedule.
Under MiCA, an authorised exchange must publish its policies on pricing, costs and fees in a prominent place on its website, so every number the crypto fee calculator needs should be public.
If a field does not apply, for example because you will keep the coins on the exchange, leave it at zero.
- Trading fee: the percentage the exchange charges per trade, often called the maker or taker fee, or the "instant buy" fee in simple apps.
- Spread: how far the price you pay is above the market price; broker apps often charge mainly through the spread.
- Deposit fee: what it costs to get euros onto the exchange, which is usually zero for SEPA transfers and higher for cards.
- Withdrawal fee: what the exchange charges to send the coins to your own wallet.
What the crypto fee calculator counts
The crypto fee calculator uses simple, transparent formulas that you can check by hand.
| Result | Formula |
|---|---|
| Trading fee | Purchase × trading fee % |
| Spread cost | Purchase × spread % |
| Total cost | Trading fee + spread cost + deposit fee + withdrawal fee |
| Total as a share | Total cost ÷ purchase |
| Value of crypto received | Purchase − total cost |
The calculator treats the spread as a cost at the moment of buying, because the coins you receive are worth less, at the market price, than what you paid.
It does not include the cost of selling later, which the break-even calculator adds to show the price rise needed before you are back where you started.
Crypto fee calculator example: three ways to buy €1,000
Example: the same €1,000 purchase made in three different ways.
| Way of buying (example) | Fee | Spread | Other costs | Total cost |
|---|---|---|---|---|
| Exchange order book, limit order | 0.2% | 0% | €0 | €2 |
| Exchange "instant buy" | 1.0% | 0.5% | €0 | €15 |
| Card purchase in a broker app | 1.5% | 1.0% | €15 card fee | €40 |
Illustrative example calculated with the crypto fee calculator above; the percentages are not the prices of any named exchange.
The same purchase can cost twenty times more depending on how it is made, which is why fees deserve as much attention as the choice of coin.
Where crypto fees hide
A crypto fee calculator is only as good as the numbers you enter, and some costs are easy to miss.
- The spread in "zero fee" offers: a purchase with no visible fee can still cost money if the quoted price is above the market price.
- Card fees: card deposits often cost more than SEPA bank transfers, and your own bank may add a fee too.
- Currency conversion: paying in a currency other than the one the exchange uses can add a conversion margin.
- Network fees on withdrawals: sending coins to your own wallet costs a fee that depends on the coin and the network chosen.
- Minimum fees: some apps charge a fixed minimum per order, which makes small purchases expensive in percentage terms.
The guide to crypto exchange fees explains each of these in more detail.
Crypto fee calculator and small purchases
Fixed fees weigh more on small purchases than on large ones.
| Purchase (example) | Fixed fee €1.99 | As a share |
|---|---|---|
| €25 | €1.99 | 7.96% |
| €100 | €1.99 | 1.99% |
| €500 | €1.99 | 0.40% |
Illustrative fixed fee, not the price of any named exchange.
If you buy small amounts every week, check whether the exchange charges a fixed minimum, and compare it with a monthly purchase using the annual cost calculator.
Crypto fee calculator and the spread
The spread is the most common hidden cost in crypto, and it is the reason the crypto fee calculator has its own field for it.
On an exchange with an order book, the spread is the gap between the best buying price and the best selling price, and for large coins it is usually small.
In a broker app, the price you are quoted can include a markup, and the app may describe the purchase as having a low fee or no fee at all.
You can estimate the spread by comparing the app's buying price with its selling price at the same moment: half of the difference is roughly what each side costs you.
The spread calculator compares a broker spread with an exchange fee for the same purchase.
Lower crypto fees without extra risk
- Use SEPA: euro bank transfers are usually the cheapest way to fund an exchange account.
- Use limit orders: on an exchange with an order book, a limit order can qualify for the lower maker fee, as the guide to crypto order types explains.
- Buy less often: one larger purchase can cost less than many small ones when fees are fixed.
- Withdraw in one go: each withdrawal to your own wallet has its own fee.
- Check the network: some coins can be withdrawn on more than one network, and fees differ.
Saving on fees never justifies using an unauthorised platform, because the protection a MiCA licence gives is worth more than a fraction of a percent.
Crypto fee calculator: what it cannot tell you
The crypto fee calculator shows the cost of buying, not whether buying is a good idea.
A purchase with very low fees can still lose most of its value if the price falls, and fees are small compared with that risk.
Before deciding how much to buy, the financial readiness test and the crypto stress test show whether your finances can take a large fall.
Tip. Every exchange review on this site lists the exchange's published fees, so you can copy them straight into the crypto fee calculator. See the exchange reviews.
Comparing exchanges with the crypto fee calculator
To compare two exchanges fairly, use the same purchase amount and the same way of paying for both.
- Pick your real purchase size: fees that look similar at €1,000 can differ a lot at €50.
- Pick your real payment method: SEPA, card or an existing balance.
- Decide where the coins will stay: include a withdrawal fee only if you plan to move them.
- Run the calculator once per exchange: note the total cost and the share.
- Look beyond the price: the licence, the terms and the account security still matter more than a small saving.
The list of lowest fee crypto exchanges shows published fees side by side for MiCA-authorised exchanges.
Crypto fee calculator: buying versus selling
The crypto fee calculator shows the cost of buying, but every purchase is eventually followed by a sale, a transfer or both.
Selling usually costs a trading fee and possibly a spread, and withdrawing euros to your bank can cost a fixed fee.
| Step (example) | Cost on €1,000 |
|---|---|
| Buy with a 0.5% fee and 0.3% spread | €8.00 |
| Sell later with the same costs, at the same price | About €7.94 |
| Withdraw euros to the bank, fixed fee | €1.00 |
| Round trip total | About €16.94 |
Illustrative example; the sale cost is calculated on the slightly smaller value left after buying.
The break-even calculator turns the round trip into the price rise needed before you are back at zero.
Crypto fee calculator with published fees
Some providers' published fees, checked on 24 October 2026, show how wide the range is.
| Provider and service | Published fee |
|---|---|
| Gate EU, spot maker and taker, VIP 0 | 0.1% / 0.1% |
| Kraken Pro, maker and taker, lowest tier | 0.40% / 0.80% |
| Kraken, instant and recurring purchases | 1% |
| eToro, crypto trades, standard tiers | 1% per position |
| Coinmotion, starting trading fee | 2% |
| Northcrypto, Quickbuy and Autopilot | 2–3% |
From each provider's own fee page; other costs such as spreads or card fees may apply on top. Fees change, so check the current page.
On a €1,000 purchase, the difference between 0.1% and 3% is €29, before any spread.
Crypto fee calculator and the cost of convenience
Higher fees usually buy convenience: a simpler screen, automatic purchases or a familiar app.
Whether that is worth it depends on how much and how often you buy.
Crypto fee calculator: deposit and withdrawal fees in detail
- SEPA deposits: many providers state they are free; for example, Northcrypto lists free SEPA and Trustly deposits.
- Card deposits: usually a percentage; SwissBorg, for example, lists 2.25% at its Standard rank for EEA cards, with a €5 minimum.
- Euro withdrawals: fixed fees such as €1.00 per SEPA withdrawal at Northcrypto or €0.90 at Coinmotion.
- Crypto withdrawals: network-based, and sometimes a percentage, such as 0.10% plus the network fee at SwissBorg.
From providers' own fee pages, checked 24 October 2026.
Crypto fee calculator: why fees deserve attention
Fees are certain and returns are not, so fees are the part of the result you can actually control.
A 2% cost on each purchase means the price must rise 2% just for you to stand still, and selling costs come on top.
Over years of regular buying, the difference between low and high fees can add up to hundreds of euros, as the annual cost calculator shows.
Frequently asked questions
Is the crypto fee calculator accurate for every exchange?
The calculator uses the numbers you enter, so it is as accurate as the fees you copy from the exchange's fee schedule. The formulas themselves are simple and shown on this page.
Why does the crypto fee calculator include a spread?
Because many apps charge mainly through the price they quote rather than through a separate fee. Without the spread, a "zero fee" purchase would look free when it is not.
What is a normal crypto fee?
It varies widely. Order book trading on large exchanges can cost a fraction of a percent, while instant purchases and card payments in simple apps can cost several percent in total.
Does the crypto fee calculator include taxes?
No. Taxes on crypto depend on your country and your situation. Check the rules of your national tax authority.
Do I pay fees when I sell crypto too?
Yes, selling usually costs a trading fee and possibly a spread, and withdrawing euros to your bank can cost a fee. The break-even calculator includes both buying and selling costs.
Is my data saved when I use the crypto fee calculator?
No. The calculation runs in your browser, and nothing you type is stored or sent anywhere.
Sources
- Regulation (EU) 2023/1114 (MiCA), Article 66(4): pricing, costs and fees policies to be made publicly available
Every figure on this page is checked against the ESMA register, the exchange's own terms and fee pages or another primary source, and the sources are listed above. Editorial policy · How we rate