Tool
Broker Fee Calculator
Most brokers advertise zero commission. But commission is only one part of what you pay. Enter your investment profile and see the true annual cost — including FX fees, custody fees, and inactivity charges — across every major European broker.
Your investment profile
Enter your details to see real costs
See the total cost across all brokers — including the fees most people miss
Why commission isn't the whole story
Brokers like eToro, Trading 212, and XTB market themselves as zero-commission. That's true for the trade itself. But eToro converts all deposits to USD at a 1.5% spread — on a €500/month investment, that's €90 per year before you've made a single trade. Use this calculator to see what your specific profile actually costs at each broker.
The inactivity fee trap
If you invest passively — buying ETFs once a month or less — some brokers charge an inactivity fee after 12 months. eToro charges $10/month. XTB charges €10/month. For passive ETF investors this fee can exceed total commissions. This calculator applies inactivity fees only when your trade frequency qualifies.
How the calculation works
We use published fee schedules from each broker's official website. For percentage-based commissions, we calculate cost based on your average trade size (monthly contribution ÷ trades per month). FX fees are applied when your base currency differs from the broker's account currency. All figures are estimates — actual costs depend on exact trade timing and broker-specific conditions.