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Crypto purchase cost worksheet
Fill in one line at a time before you confirm a purchase. Use the same currency throughout and convert any fee shown in coin units at the current price. This is a cost check, not a recommendation to buy.
Step by step
| Item | Example | Your numbers |
|---|---|---|
| A. Amount you pay | 1,000.00 | |
| B. Payment method fee % (card, transfer) | 1.5% | |
| C. Payment fee = A × B | 15.00 | |
| D. Order amount = A − C | 985.00 | |
| E. Trading fee % | 0.5% | |
| F. Trading fee = D × E | 4.93 | |
| G. Amount buying crypto = D − F | 980.08 | |
| H. Spread % = quoted price ÷ market price − 1 | 1.0% | |
| I. Value at market price = G ÷ (1 + H) | 970.37 | |
| J. Spread cost = G − I | 9.70 | |
| K. Withdrawal fee in your currency | 5.00 | |
| L. Value you end up with = I − K | 965.37 | |
| M. Total cost = A − L | 34.63 | |
| N. Cost in % = M ÷ A | 3.46% |
Finding the spread
- Note the instant-buy price and, at the same moment, a market or order-book price for the same coin.
- Spread % = instant-buy price ÷ market price − 1. A quoted price of 101 against a market price of 100 is a 1% spread.
- On an order book the spread is usually smaller, but the trading fee still applies and a limit order may not fill.
Before you confirm
- Is the platform registered or authorised where you live?
- Do you know every fee, including the withdrawal fee?
- Could you afford to lose this money?Crypto assets are volatile and can lose most or all of their value.
- For recurring buys: multiply the cost per buy by the number of buys per year
Regional notes
- EU: Crypto-asset service providers need authorisation under MiCA; ESMA and national regulators publish registers.
- UK: The FCA requires risk warnings, and first-time investors get a 24-hour cooling-off period for crypto promotions.
- US: Rules differ by state; many platforms need state money-transmitter licences.
- Elsewhere: Check your financial regulator’s warnings and registers. Tax on crypto gains differs by country.
General education only. Illustration, not advice or an offer. Rules, fees and taxes depend on your country and circumstances. Example numbers are invented.
Read the related guide → Open the calculator →
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