True cost calculator
About the Bitcoin Card True Cost Calculator
The true-cost calculator turns each card's documented fee stack into one annual number for your spending profile: load fees, FX, subscription and ATM withdrawals.
How it works
- Enter your monthly spending, the share in foreign currency, and your ATM habits.
- The calculator applies each card's documented percentages and fixed fees - nothing is estimated from marketing pages.
- Fees a card does not document count as unknown, not as zero: unknown costs stay visible as unknowns.
FAQ
Where do the fees come from?
From the card's review page - operator-documented rates we fetched and dated. If an operator hides a fee, the calculator shows "unknown" instead of guessing.
Does it include the conversion spread?
No - spreads inside the exchange rate are rarely published. The FX fee row covers only the documented percentage; the spread section of our guides covers the rest.
Is this free?
Yes, and it runs locally in your browser.
Part of the bitcoin card tools set - all free, all client-side. The facts behind every number live on the card register and in our guides.