CALCULATOR · CRYPTO FEES
Crypto fee calculator: how much is left from €100?
A €100 purchase can involve several costs. Understand them with a worked example, practise with three situations, then compare your own assumptions.
No prior knowledge needed. New terms are explained as you go.
THE SHORT ANSWER
To compare a purchase, look at the total paid and what you receive after all costs. This course defines the terms, works through a €100 example and presents three situations before you freely change the numbers. The prices used are fictional.
01 · UNDERSTAND WITH AN EXAMPLE
Understand what you pay, then compare two purchases with the same budget.
- Recognise the different costs.
- Follow a €100 calculation step by step.
- Explain why the lowest commission is not enough.
The words you need, in plain language
- Commission
- The charge for the purchase. In our model, 1% of a €100 budget is €1.
- Reference price
- The price chosen for comparison. ETH is the crypto asset used on Ethereum. If we assume 1 ETH = €2,000, then 0.05 ETH is worth €100 at that price. This price is fictional.
- Price markup / spread
- Here, the extra amount built into the purchase price compared with the reference price. A higher price buys less crypto for the same money. Spread can also mean the difference between buying and selling prices.
- Payment and withdrawal
- Paying may have a cost, for example depending on the payment method. Withdrawal means sending crypto out of the platform. In our model, the withdrawal charge already includes network costs: do not add them twice.
Follow the reasoning
Start with the total budget: €100
Assume zero payment fees. A 1% commission takes €1. That leaves €99 to buy crypto.
Compare at the same reference price
A price marked up by 1% is 1.01 times the reference price. Divide 99 by 1.01: about €98.02 of value at the reference price. This is not a second €1 commission.
Subtract the withdrawal charge: €2
98.0198… − 2 = €96.0198…. We display €96.02. This is the crypto’s value at the reference price, not euros paid to a bank account or future profit.
Remember: Compare the total paid and actual quantity received for the same asset at the same time. Commission alone does not describe the full cost.
Why this model is not a real quote
We keep the reference price constant and express all costs in euros. A platform may charge differently, apply minimums or display crypto units rather than a euro value. Price movement during execution, called slippage, is not calculated here. If you have a total charge and received quantity, start with those actual values; do not add costs that are already included.
02 · PRACTISE, THEN UNDERSTAND THE ANSWER
3 situations to work through
Each answer has an explanation. Use a hint if you need one; there is no timer.
MADE-UP SITUATION · NO REAL ACTION
What is 1% of €100?
You want to understand a purchase before comparing offers. Start with just one cost: a fictional 1% commission on a total budget of €100.
- Budget
- €100
- Commission
- 1% of the budget
- Other costs in this case
- €0
I need a hint
Percent means “per hundred”. So 1% of €100 is €1. Subtract that charge from the budget.
Read all explanations at my own pace
What is 1% of €100?
You want to understand a purchase before comparing offers. Start with just one cost: a fictional 1% commission on a total budget of €100.
Reasoning: The total budget is what leaves your pocket in this example. The €100 includes a €1 commission, so €99 is used for the purchase. No price markup or withdrawal charge has been added in this first situation.
Separate the fee amount from the money actually used to buy.
A higher price buys less ETH
After the commission, €99 remains. To understand price, assume a reference of 1 ETH = €2,000 and a purchase price of €2,020. Both prices are fictional, not current Ethereum prices.
Reasoning: 99 ÷ 2,020 = 0.0490099… ETH. At the €2,000 reference price that is worth €98.0198…, displayed as €98.02. The extra cost is built into the price, so a “fee” line showing zero would not be enough to identify it.
Compare the received quantity with the price used, not just a fee line.
Does the lowest commission win?
Now compare two entirely fictional offers for the same €100 budget. Payment fees are zero in both cases. The reference price is identical.
Reasoning: A: (100 − 1) ÷ 1.01 − 2 ≈ €96.02. B: (100 − 0.50) ÷ 1.005 − 5 ≈ €94.00. Each display is rounded independently: calculate the difference using unrounded values. A different budget can reverse the result: try €1,000 in the free calculator.
The better result in this example is not a platform ranking.
What is left, after fees?
Two made-up offers, A and B. Change one number at a time and observe the result.
AScenario AEDITABLE
Net value at the reference price
€96.02- Commission
- €1.00
- Payment
- €0.00
- Price markup cost
- €0.98
- Withdrawal incl. network
- €2.00
- Total cost
- €3.98 (3.98 %)
Explain this calculation step by step
- After commission and payment: €100.00 − €1.00 − €0.00 = €99.00.
- Convert to value at the comparison price: divide this remainder by 1.01. This gives €98.02.
- Subtract the withdrawal: €98.02 − €2.00 = €96.02.
A value for comparing costs, not cash promised back to you. The crypto price is held constant in this model.
BScenario BEDITABLE
Net value at the reference price
€94.00- Commission
- €0.50
- Payment
- €0.00
- Price markup cost
- €0.50
- Withdrawal incl. network
- €5.00
- Total cost
- €6.00 (6 %)
Explain this calculation step by step
- After commission and payment: €100.00 − €0.50 − €0.00 = €99.50.
- Convert to value at the comparison price: divide this remainder by 1.005. This gives €99.00.
- Subtract the withdrawal: €99.00 − €5.00 = €94.00.
A value for comparing costs, not cash promised back to you. The crypto price is held constant in this model.
Scenario A leaves €2.01 more, under these assumptions.
A small challenge. Reset the example, then switch the budget from €100 to €1,000. Which offer leaves more? B has a higher fixed withdrawal charge, but its lower percentage costs can outweigh that at a larger budget.
No live quotes. No platform ranking. Spread is a price markup; withdrawal includes network costs. Figures are rounded independently to the nearest cent. Calculation method below.
OPTIONAL · GO FURTHER · INTERMEDIATE
€100 to start. €96.02 left.
In fictional scenario A, the €1 commission leaves €99 for the purchase. A price 1% above the reference price gives 99 ÷ 1.01 = €98.0198 of value at that reference price. Subtract the €2 withdrawal cost: €96.0198 remains, displayed as €96.02.
The €3.98 difference is approximately 3.98% of the budget. It is neither a return forecast nor a future sale price. The reference price stays constant throughout this example.
Exactly what the calculator measures
The budget is total spending, including payment fees and commission. Commission is calculated on that budget; payment fees are a fixed amount. Spread is modelled as a purchase-price markup against a reference price taken at the same moment.
Net value = (budget − payment fees − budget × commission ÷ 100) ÷ (1 + spread ÷ 100) − withdrawal cost. Enter withdrawal cost in euros at the reference price. If the platform already includes network costs in its withdrawal charge, do not add them again.
A platform may use a different fee basis, minimum or rounding rule. The calculator excludes slippage, sale fees, taxes, price changes and withdrawal restrictions. You still need the breakdown of your actual order.
Compare two offers on the same basis
Compare the same asset, budget, payment method and withdrawal network at the same time. An offer without withdrawal serves a different need from one delivering assets to your wallet.
- Record the total paid and the actual quoted quantity before confirming.
- Separate the explicit commission from the execution price. Do not deduct a spread twice.
- Check withdrawal minimums, payment charges and the network accepted at the destination.
- Do not choose a service solely because a calculation makes it look cheaper: custody, availability and terms matter too.
The questions that remain
Are these Coinbase or Binance fees?
No. Every initial setting is fictional. Replace it with information from your order preview. The calculator does not fetch live prices or rank platforms.
Why not just add the percentages?
Because the bases differ. Here, spread changes the price after explicit fees are deducted; withdrawal is a fixed amount. A €2 withdrawal has a different relative cost on €100 and €1,000.
Sources and further reading
- Coinbase — Pricing and fees disclosures · in English
- Coinbase — Slippage and spread · in English
- Ethereum.org — Gas and fees · in English
- Coinbase — Advanced fees · in English
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Documentation checked on · WhyTheBlockchain · Editorial approach