Methodology
Where every number comes from, and what would make it wrong.
Last updated .
Sourcing
The only acceptable source for a fee is the platform's own official pricing page or fee schedule. Third-party articles, forum posts and past memory are never used to set a figure. Each platform's fee schedule links to the exact page it was taken from, and every individual rule carries the verbatim sentence or table row that states it.
Before a schedule is published, it is cross-checked against one secondary source: the platform's help centre, or a dated third-party article no older than 90 days. This is what the confidence label on each calculator means:
- High confidence: two sources agree on every rule.
- Single source: only the official page could be found, or the two sources disagree. The discrepancy is recorded in the schedule's notes and shown on the page. It is never silently resolved.
Verification cadence
Every schedule shows the date a person last checked the official page. A schedule is re-verified at least every 60 days, and sooner when a platform announces a change or a reader reports one. A weekly automated monitor re-reads every official page and flags any change in its text for review; automated results never go live without passing every guardrail against the source.
Two dates appear on each calculator. Effective from is the date the platform's schedule took effect, as stated on the official page. Verified on is the date it was last checked here.
Rounding
Money is computed in integer minor units (cents, pence) and never in floating point. Percentage fees are calculated exactly, then each fee line is rounded half-up to the nearest minor unit, because that is how platforms bill each fee. The net is the price minus the sum of the rounded lines. Displayed figures are formatted for the selected currency and never rounded a second time.
Reverse mode ("I want to net X") returns the smallest price whose net lands within one minor unit of the target, so a price found in reverse always reproduces the target when entered forwards.
What the calculators do not do
- They do not fetch live rates. Every figure is a checked, dated schedule stored with the site.
- They do not convert currencies with live exchange rates; where a platform charges a currency-conversion markup, the markup percentage is shown and labelled.
- They do not know your account's negotiated or promotional rates. Standard published rates only.
- They do not handle your money. Nothing you type is stored, sent or associated with you.
Definitions
Gross — the price the buyer pays, before any fee.
Fee — one itemised deduction, matching one rule on the platform's schedule.
Net — what you keep after every applicable fee.
Effective rate — total fees divided by gross, shown as a percentage.
Headline rate — the platform's main published rate for the default country, quoted in each calculator's first sentence.
Reporting an error
Every calculator has a "Report a wrong fee" button, and there is a standalone report form. A report triggers a fresh check of the official page. If the fee has changed, the schedule is updated, the change is dated in the changelog, and every page reflects it on the next deployment.
Quoting a figure
Every calculator ends with a "Cite this page" block: a ready-made reference carrying the site name, the page title, the canonical URL and the date the fees were last verified. Use it when you quote a rate in an article, a forum answer or an AI-assisted summary, so the figure stays attached to its date and its source. There is no bulk download and no public API.