Crypto Fee Calculator
See how much trading fees actually cost you over a year. Compare maker, taker, and withdrawal fees across the six largest crypto exchanges — and find out how much a small fee difference compounds over 100+ trades.
Per-trade fee
$10.00
0.100% effective
Annual trading fees
$1,000.00
100 trades
Annual total cost
$1,012.00
Trading + withdrawals
Annual cost compared across exchanges
Same trade size and frequency, applied to each exchange's standard public spot-tier fees.
What this calculator measures
Most crypto traders underestimate fees by a factor of 5–10×. They look at the per-trade percent ("just 0.1%, that's nothing") without multiplying by their actual annual trading volume. A 0.1% fee on 100 trades of $10,000 each is $1,000 a year — 10% of starting capital before you make a single dollar of profit.
This calculator models the two main fee buckets that hit a typical retail trader: trading fees (charged per buy and per sell, blended across your maker/taker mix) and withdrawal fees (a flat amount each time you move crypto off the exchange). Spot trading only — for futures fees plus funding rates, you need a dedicated leverage calculator.
How the fee math works
The per-trade fee blends your maker and taker rates by the ratio you specify: blended fee = maker × ratio + taker × (1 − ratio). The annual figure multiplies that across your year:
| Step | Worked example | Result |
|---|---|---|
| 1. Blended fee % | 0.4% × 0.5 + 0.6% × 0.5 | 0.50% |
| 2. Per-trade fee | $10,000 × 0.50% | $50 |
| 3. Annual trading fees | $50 × 100 trades | $5,000 |
| 4. Annual withdrawal fees | $3 × 12 withdrawals | $36 |
| 5. Annual total cost | $5,000 + $36 | $5,036 |
Standard public fees (no VIP discounts)
| Exchange | Maker | Taker | Withdrawal (USDT) |
|---|---|---|---|
| Binance | 0.10% | 0.10% | $1.00 |
| Coinbase Advanced | 0.40% | 0.60% | $3.00 |
| Kraken | 0.16% | 0.26% | $5.00 |
| KuCoin | 0.10% | 0.10% | $2.00 |
| Bybit | 0.10% | 0.10% | $1.00 |
| OKX | 0.08% | 0.10% | $1.00 |
Values reflect standard public spot tiers as of 2026. VIP tiers, native-token rebates, and promotional pairs can substantially reduce these.
How to actually reduce fees
- Use limit orders. Limit orders that don't cross the spread fill as maker trades. On Coinbase Advanced that drops your fee from 0.6% taker to 0.4% maker — a 33% reduction. On Binance the spread is smaller but limit orders are still a free win.
- Hold the exchange's native token. BNB on Binance gives a 25% trading discount. KCS on KuCoin offers similar rebates. These pay for themselves at moderate trading volume.
- Climb VIP tiers. Above $1M in 30-day volume, most exchanges cut fees by 30–60%. Active traders should track their tier and consider consolidating volume on one venue.
- Withdraw on cheap chains. A USDT-TRC20 withdrawal is typically $1; USDT-ERC20 can be $15+ during network congestion. The asset is identical — only the chain costs more.
- Trade less. The single biggest fee saver is reducing trade count. Each round-trip pays fees twice; cutting your turnover in half cuts your fee bill in half.
Frequently asked questions
- Maker orders add liquidity to the order book (limit orders that don't fill immediately). Taker orders remove liquidity (market orders, or limit orders that cross the spread). Exchanges charge takers more because they consume the depth that makers provide. The maker/taker ratio slider lets you model your actual mix.
- The presets reflect the standard public spot tier as of 2026 for each exchange. VIP tiers, native-token rebates (BNB, KCS), and referral discounts can cut these by 10–50%. Click 'Verify' next to your exchange to check the live published fees.
- At 0.1% per side with 100 round-trip trades per year on $10,000 positions, you pay $2,000 in trading fees alone — 20% of your starting capital. Day-traders who pay 0.4–0.6% taker can easily burn 50%+ of capital to fees within a year. The calculator's annual projection makes this concrete.
- No — they're separate. Trading fees are a percentage of trade size. Withdrawal fees are flat amounts paid when you move crypto off the exchange, varying by chain (a USDT-TRC20 withdrawal might cost $1; USDT-ERC20 might cost $15+). This calculator models withdrawal fees as a flat USD amount per withdrawal.
- Almost never on centralised exchanges. Some platforms offer zero-fee promotional pairs (Binance has rotated BTC, ETH, USDC zero-fee pairs since 2022). DEXs replace explicit fees with gas + slippage costs that often work out higher for small trades and lower for large ones.
- It models spot trading fees only. Futures fees are typically lower (Binance perp is 0.02% maker / 0.05% taker) but you also pay funding rates every 8 hours. For an accurate futures-fee model use a dedicated leverage/funding calculator.
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Compare exchanges in depth
See our full breakdown of the best crypto exchanges by fees, security, and supported coins.