Trading fee & discount calculator

What this calculator is for, exactly

Stock orders on the Binance stock desk are marketed as zero-commission (a separate platform fee applies, itemized in the fee guide), so this page is about the crypto-side conversion fees where a referral discount actually helps. Those fees sit on the crypto side of the same account: converting local currency or crypto into USDC before you buy stocks, converting back on the way out, and any spot trading you do besides. Those conversions are where a referral discount does its work, and because they repeat every time you fund or withdraw, the dollars compound quietly.

The default 0.1% is a common spot fee baseline, not a promise about your account: tiers vary with volume and holdings, and the only number that counts is the one on your own fee page. Type that number in and the math is yours, not an average.

A worked example

Say you fund $500 of stock buys each week from local currency, so four conversions a month. At a 0.1% fee that is $0.50 per conversion, $2.00 a month, $24 a year. A 20% discount trims each conversion to $0.40, saving $4.80 a year at this modest scale. Double the amounts or add exit conversions and the saving scales linearly; it will not make you rich; it is a small standing saving collected for typing a code once at sign-up.

For the full picture of what buying stocks actually costs, spreads and on-ramp costs included, read the fee guide; for the cheapest way to get USDC in place, the funding guide.

Limits worth knowing

• This page multiplies numbers you type. It does not fetch your fee tier, and it does not know current promotions; the exchange’s own pages are authoritative.
• Spreads and network withdrawal fees are separate costs and are not modeled here; the break-even calculator covers fees around a position.
• The discount is applied to your trading fees at sign-up.