One US-stock trade, how much gets taken: run the numbers yourselfUS stock cost calculator: funding + commission + spread + platform & regulatory fees

01What this estimator actually adds up

It splits a buy into four parts: first, what funding eats (the cut taken at the funding-cost rate when you move money in); second, the FX spread (the margin added on the mid-market rate when converting); third, the commission (a percentage of the traded amount); fourth, platform and regulatory fees (often a tiny fixed amount per trade). Tick "round trip" and trade fees count once each for a buy and a sell.

Add those four together and you get the all-in cost; divide by your amount and you get the cost as a share of the investment, which says more than any single fee line.

02Where the numbers come from, and why they're editable

The preset rates are illustrative starting points, not any specific broker or platform. Real rates vary by institution, region and amount, and change over time. The right way to use this: go to the official page of the broker or platform you plan to use, find the real funding cost, commission, platform fee and spread, and type them into the boxes. For who charges what and whether it's avoidable, see what fees US-stock trading has and the four funding routes.

03What it doesn't include (don't treat it as everything)

For simplicity, this estimator excludes: dividend withholding tax (see that 30% withholding), any fee charged again at withdrawal, leverage or margin interest, the wider spread and slippage of pre/after-hours, and movement in the exchange rate itself. It only answers "given your rates, roughly how much a trade costs", not "whether the investment is worth it".

04How to use it for a decision

The most useful move is to compare: switch the funding route and watch the all-in cost change, on small amounts the fixed fee and spread dominate, on large amounts the funding-cost-rate gap matters more. You can also enter the commission and platform fee for two institutions in turn and see how big the gap really is. Once the cost is clear, verify the real numbers on the official page and decide whether to start.

This tool is for education and estimation only; it is not investment or tax advice. The preset rates are illustrative, it pulls no live data, and the result depends on the numbers you enter; real rates are always per each broker's and platform's official pages. Last updated 2026-06-20.