How are transfer fees calculated?
This calculator uses a simple fee schedule for each option: total fee = fixed fee + transfer amount × percentage fee ÷ 100. The effective fee rate divides that total fee by the transfer amount. Amount after fees assumes all fees are deducted from the amount entered; some services charge fees on top instead.
For example, a fixed $5 fee equals a 1% fee at a $500 transfer. Below $500, 1% costs less; above $500, the fixed $5 fee costs less. At $1,000, the two estimates are $5 and $10.
What does the break-even amount mean?
It is the transfer amount at which the two estimated fees are equal. The tool solves fixed A + amount × rate A = fixed B + amount × rate B, where rates are expressed as decimals. When the percentage rates match, different fixed fees never cross. Identical fee schedules remain equal at every amount.
Which costs are outside this estimate?
Minimum charges, maximum fee caps, tiered pricing, exchange-rate spreads, slippage, changing network fees, and taxes are not modeled. Add known flat network and withdrawal charges to the fixed fee only if the provider actually charges them separately. Verify the final quote and destination network before sending a transfer.
A lower fee does not establish that a provider, network, or asset is suitable or safe. This is arithmetic for comparing stated assumptions, not a recommendation to transfer funds.