Crypto purchase cost calculator: fees, spread and withdrawal
See what a crypto purchase really costs: payment method fee, trading fee, spread and withdrawal fee, in your currency and as a percentage. One-off or recurring buys.
The fee shown at checkout is rarely the whole cost. Payment method fees, a markup in the instant-buy price and a withdrawal fee all reduce the value you end up holding.
Your assumptions
3.46% of the USD 1,000.00 you pay. You end up with crypto worth USD 965.37 at the market price.
| Measure | Cost |
|---|---|
| Payment method fee | USD 15.00 |
| Trading fee | USD 4.93 |
| Spread / markup | USD 9.70 |
| Withdrawal fees | USD 5.00 |
| Total cost | USD 34.63 |
How the calculation works
Order = A × (1 − payment fee); filled = order × (1 − trading fee); market value = filled / (1 + spread); received = market value − withdrawal fee; cost = A − receivedA is the amount you pay. The payment method fee is taken first, the trading fee from the order, and the spread is a markup over the market price, so the crypto you receive is worth less at the market price than you paid. The withdrawal fee is entered as a flat amount in your currency.
Step by step
- Payment method fee = amount × fee %. The rest becomes the order.
- Trading fee = order × trading fee %.
- Spread cost: you buy at a price that is the market price × (1 + spread). Value at market price = what you bought ÷ (1 + spread).
- Received = value at market price − withdrawal fee. Total cost = amount paid − received; cost % = total cost ÷ amount paid.
- Recurring mode: purchase costs × buys per month × 12, plus withdrawal fee × withdrawals per year.
Limitations
Prices move while you buy; network fees change with demand; platforms may quote fees in coin units, which you need to convert at the current price before entering. Availability, rules and investor protection differ by country (for example MiCA in the EU). Crypto assets are volatile and can lose most or all of their value. Default values are invented examples. Illustration, not advice, an offer or a recommendation to buy.
Questions, answered.
What is the spread?
The difference between the price you pay and the market price. Instant-buy screens often build it into the price instead of listing it as a fee.
Is an order book always cheaper?
Often the spread is smaller, but trading fees still apply and limit orders may not fill. Enter both routes to compare.
Why do withdrawals cost money?
Moving coins to your own wallet uses the blockchain network. Platforms charge a fee that may be fixed or based on network demand.
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