Crypto Cash-Out Calculator

What a cash-out route really costs

Selling crypto for local money involves more than one fee. A single route can include a network fee to move the coins, a trading fee or spread to sell them, and a withdrawal fee to send the money to a bank.

Each of these looks small on its own. Together they decide how much of your balance reaches your account, which is why the calculator lists every line for every route.

The official exchange rate is the baseline. It comes from a public FX feed and is the same rate a bank or card network would start from before adding its own margin.

Exchange routes

An exchange route means depositing crypto to a regulated exchange, selling it for fiat on the order book, then withdrawing the fiat to your bank. You pay the network fee on the deposit, the taker fee on the trade and the withdrawal fee on the way out.

Taker fees depend on the pair and your trading volume. The calculator uses the entry-level tier, which is what most people pay on a first sale.

Withdrawal fees vary by payment rail. A domestic transfer is usually cheaper than an international wire, and the calculator shows the rail each exchange uses for your currency.

Speed comes from the exchange's own published processing time. Weekends and bank holidays can add delay to any bank transfer.

P2P routes

Peer-to-peer markets connect you with a buyer who pays you directly by bank transfer or a local payment app. The platform holds your crypto in escrow until you confirm the payment arrived.

P2P prices float with local demand. In some countries they sit close to the official rate. In others, where access to dollars is limited, buyers pay a premium above the official rate, and the calculator shows that as a negative cost.

The median of qualifying ads is used instead of the single best ad. The best-priced ad is often small or already taken, so the median gives a more realistic figure.

P2P carries a different kind of risk. The buyer may send a payment that is later reversed, and some banks freeze accounts that receive frequent transfers from strangers. The route card repeats this warning so the price is never read on its own.

Card routes

A crypto card turns your balance into spending money without a bank transfer. You top up the card with crypto, the issuer converts it, and you either spend at a merchant or withdraw cash at an ATM.

Card costs come from the issuer's published fee schedule. The main ones are the conversion fee when you top up, the FX markup when you spend in a currency other than the card's own, and the ATM fee.

Many cards include a small free ATM allowance each month and charge a percentage above it. The calculator applies that rule to a single withdrawal of your full amount, which is a fair comparison for a one-off cash-out but can differ from repeated small withdrawals.

Only cards whose availability covers the destination country appear. When an issuer does not publish a clear country list, the card is left out of routes rather than guessed.

Why some routes are hidden

A route disappears when any fee it needs is not disclosed, when the provider does not accept your asset on your network, or when there are too few reliable P2P offers. The hidden routes are listed below the results with the reason, so a missing option is never a silent gap.

Coverage grows as more providers are verified. Each new exchange, card or currency enters the data only after its fees are checked against the provider's own website.

Reading the result

The top figure is the best route by amount received. It is worth opening the fee breakdown before acting on it, because the cheapest route is not always the fastest or the one with the least counterparty risk.

Rates refresh every 15 minutes, and the page shows the time of the last update. If a source stops responding, the calculator keeps the last good value and marks it as older than usual.

Tax can also apply when you sell or spend crypto. The crypto card tax calculator estimates it for the US, UK, Germany and Portugal, and the crypto card tax guide explains the rules in more depth.

For card options, the card finder filters cards by country and KYC level, and the safety check scores each issuer on licensing, custody and incident history.