Trade Cost Calculator

About the Trade Cost Calculator

The cost of a trade is not determined by the quoted spread alone. Aligning commission, swap or funding while a position is held, and any conversion from cost currency to account currency makes the required move easier to compare. This calculator mechanically organises the conditions you enter and shows an estimated pre-trade all-in cost and break-even.

Intended users

FX and CFD traders estimating friction before entry, users reviewing swap or funding by holding period, and individuals or teams comparing and recording several cost assumptions.

Instrument examples

FX, gold, index CFDs, commodity CFDs and crypto CFDs. Compatibility depends on entering the quantity, pip/point value, price increment and conversion direction correctly.

What it calculates

It aligns spread, commission and swap/funding in the account currency, then estimates one-way and round-trip cost, break-even move and price, cost ratio and period swap cash flows.

What it does not calculate

Recommended position size, acceptable loss, required margin, margin level, stop-out, effective leverage, win rate, trading signals or broker rankings.

Use the FX & CFD Lot Size Calculator to derive quantity from risk and margin. Use this calculator after deciding the quantity, when you need its cost and break-even.

What You Can Estimate

Results freeze the assumptions you enter. They do not automatically capture every variable spread, fill, slippage, minimum commission, tax, holiday adjustment or market gap.

Inputs

Prepare values from the broker’s or venue’s official fee schedule, contract specification, account terms and swap or funding calendar. Presets are input aids, not a maintained source of current broker contract terms.

If an input label or unit changes, follow the live calculator and the current plans page.

Calculation Results

The exact internal formulas, bands and thresholds for the Friction Score and Pro efficiency score are not publicly specified. Do not invent a pass mark; read it with the cost breakdown, break-even move and cost ratio.

How to Use the Calculator

1. Collect official terms.Use the broker’s contract specification, fee schedule and swap/funding calendar to confirm unit size, pip/point value, spread, commission and daily amount.
2. Choose the right tab.Use Trade Cost for all-in break-even and Swap Income Check for period cash-flow estimates.
3. Enter the trade and quantity.Add the symbol, asset class, direction, entry and actual lots or quantity you are considering.
4. Align units and currencies.Confirm pip/point value and size, commission mode, account currency, cost currency and conversion direction.
5. Add target and holding assumptions.If relevant, enter a target move or price, daily swap/funding, holding days and triple-day count.
6. Read from all-in cost outward.Review the component breakdown, round-trip cost, break-even pips/price and cost ratio, then look for a missing item or double count.
7. Recalculate when terms move.Refresh the inputs whenever spread, commission, swap, conversion rate, quantity or holding period changes. Use Pro for in-session comparison and Premium for local saving and ledgers.

How Spread, Commission and Swap Are Calculated

The formulas below explain the general method. The live calculator applies the selected commission mode, quantity, currencies, rounding and triple-day settings. The central task is to align every component to one account currency and one consistent one-way or round-trip basis before adding it.

Pip or point value for the position

pip/point value per lot × lots or quantity. If P/L currency differs from account currency, convert it in the stated direction.

Spread cost

spread × position pip/point value. Confirm whether the displayed spread is already treated once as a round-trip burden; do not automatically double it.

Commission cost

fee unit × quantity × number of charges. Per-side per-lot is commonly charged twice; round-turn per-lot once. Fixed, notional-percentage and minimum fees require their own terms.

Charge-equivalent days

When regular and triple days are separate: regular days + 3 × triple-day count. If holding days already include the triple day itself, the equivalent expression is holding days + 2 × triple-day count.

Swap or funding cost

daily amount × quantity × charge-equivalent days. On the trade-cost tab, add a charge as positive and a credit as negative.

Estimated round-trip all-in cost

spread cost + round-trip commission + swap/funding cost. Set inapplicable components to zero and convert foreign-currency costs before adding them.

Break-even move and price

break-even move = all-in cost ÷ position pip/point value, then break-even price = entry ± break-even move × pip/point size. Add for a buy and subtract for a sell.

Cost ratio and estimated net

target gross = target move × pip/point value, cost ratio = all-in cost ÷ target gross × 100, and estimated net = gross − all-in cost.

Triple-day weekday and multiplier, weekend and holiday treatment, a 360- or 365-day basis, and one-way or round-trip charge counts are not universal. Follow the current terms for your broker, instrument and account.

See the guides to converting spread to money, commission modes, swap and funding, and break-even and cost ratio for the detailed reasoning.

Worked Example

The figures below are fictional educational data that demonstrate the calculation flow. They are not a real price, contract specification, commission, swap or broker condition. The example follows the trade-cost-tab convention and treats a swap charge as a positive cost.

In this example, the long must move 1.45 pips in the favourable direction before the entered spread, commission and three-day swap charge are estimated to be recovered. Cost is 14.50% of the 10-pip target gross amount.

Slippage, tax, deposit or withdrawal charges, platform fees, dividend adjustments, rollover and currency-conversion differences are excluded. Display rounding and actual execution can change the outcome.

Free, Pro and Premium Compared

This comparison reflects the English plans page reviewed on July 15, 2026. Free is a practical single-condition calculator, Pro is no-save advanced analysis within the current session, and Premium adds local saving, ledgers and reporting.

English yearly billing equals ten months of the monthly price. Payments are processed by Stripe in USD. Under the current policy, switching paid plans is a new subscription and charge; unused time is not prorated, offset or credited. Features, prices and terms can change, so check the plans page before subscribing.

Move from Comparison to Ongoing Cost Management

Extend a one-off estimate into comparing the same trade under different assumptions, then into recording changes over time. Choosing by unit of work avoids adding a persistent workflow when a single calculation is enough.

Advanced Pro analysis

Run multiple-condition, spread-sensitivity, commission-mode, holding-period and break-even-ladder comparisons, plus basic swap-change, recovery, adverse-offset and efficiency-score analysis within the current session. Saving and report export are not included.

Premium storage and security

Save conditions, templates, history and scenarios locally, then manage multiple encrypted workspaces, local file transfer and backup-health checks.

Premium reporting and audit

Use a local report centre for CSV, PDF, print and amount-hidden reports; cost and swap change ledgers; a broker cost rulebook; an index CFD dividend lab; a rollover planner; and FX-conversion audits.

Premium subscriber extensions

Add playbooks and insight cards, and ask about quote-based customisation limited to calculator functions. Investment advice and trading signals are excluded.

The choice is straightforward: Free for one pre-trade check; Pro for comparing several assumptions without saving; Premium for local persistence, change ledgers and ongoing reporting.

Comparison does not label a broker or account as cheapest, best or recommended. Premium customisation is limited to technical calculator functions and excludes investment advice, trade signals and discretionary management.

Inputs, Sources and As-of Dates

This calculator is not a live market-data or broker-fee feed. Its data source is the values entered by the user, and both accuracy and as-of time depend on those sources.

Recommended sources

Official broker contract specifications, fee schedules, pre-contract documents, execution policies, swap/funding, dividend and rollover calendars, and account statements.

Refresh frequency

There is no fixed automatic refresh. Re-enter and recalculate whenever spread, commission, swap, conversion rate, quantity or contract terms change.

As-of context

Keep the observation date and time, time zone, broker and account type, symbol, direction and estimated holding period with the calculation.

Data handling

Calculation inputs, templates, history and reports remain on the device or in user-managed files. WordPress and Stripe handle the minimum information needed for login, subscription and billing.

Temporary URL-fragment sharing is designed not to send the values to a server, but the recipient can see values restored from that URL. Review it first or use amount-hidden sharing. SG Group cannot recover a lost Premium workspace passphrase.

Update History

• July 15, 2026 — Added public guidance covering scope, inputs, results, general formulas, a fictional example, current plan comparison, FAQ, related content and disclosures.
• July 14, 2026 — All twenty Trade Cost Calculator articles (ten Japanese-English pairs) display this date as their Updated date.

This is the history of the static explanation and related learning content, not a record of market data or broker-fee updates. No dedicated public product changelog was identified, so treat the current plans page as authoritative for features, pricing and billing terms.

Important Disclosures

• The calculator and this guide provide estimates, education and information from user-entered values and general calculation methods. They are not investment advice, a financial-product solicitation, a trade or broker recommendation, order execution or discretionary management.
• Displayed figures may be rounded. An incorrect unit, currency, one-way/round-trip basis, charge count, holding period or conversion direction produces an incorrect estimate.
• Actual fills, variable spreads, commission, minimum fees, swap/funding, dividend adjustment, rollover, conversion rates, tax, slippage, rejected fills, liquidity, latency and price gaps can differ from the inputs.
• Presets are aids, not an official broker or venue contract specification. Check current fee schedules, contract terms, disclosures and calendars before trading.
• Break-even, cost ratio, Friction Score and swap-recovery days are reference estimates. They do not guarantee price movement, execution, returns, loss prevention or future performance.
• The tool does not decide recommended position size, required margin, maintenance level, stop-out, leverage or whether to trade. The user is responsible for input verification and every trading decision.
• The user is responsible for local data, shared URLs, workspace passphrases and backups. SG Group cannot recover a lost encryption passphrase.
• Features, names, prices, plan scope and billing terms can change. Check the current plan and legal pages before entering a contract.