Bitcoin ETF fee calculator
A spot bitcoin ETF charges an annual sponsor fee, a percentage of the holding, and this calculator shows what that fee takes over the years you choose. Bitcoin you hold yourself has no annual fee, though exchange and network fees apply when you buy or move it. The presets are the four US funds' stated fees as of November 2026. Today's price was 74,861 USD on November 8, 2026, but the sum holds the price still so only the fee shows.
- Fees over 10 years
- 247.21 USD
- Share of the holding taken
- 2.47%
- Fee in the first year
- 25 USD
- Annual fee on coins you hold yourself
- 0 USD
Worked example
A 10,000 USD holding in IBIT, which states a 0.25% annual fee, loses 247.21 USD to that fee over 10 years with the price held still. That is 2.47% of the holding. Held as coins in your own wallet, the annual fee is nothing.
How it works
The fee is taken from the holding each year, so what is left after N years = holding × (1 − fee)^N. Total fee = holding − that, and its share of the holding = 1 − (1 − fee)^N. The first year's fee = holding × fee. The price is held still, so the figures isolate the fee and say nothing about what the fund or bitcoin will be worth. The fees are the issuers' stated sponsor fees as of November 2026; our guide to the spot bitcoin ETFs compared cites each one.
Check the fee with the issuer
Fees change and issuers have used temporary waivers, so check the fund's own page before you rely on a figure. A broker may add commissions, and every trade crosses the spread, so the real cost of an ETF is more than its sponsor fee. Coins you hold yourself have no annual fee but carry exchange and network fees. Our guide to the spot bitcoin ETFs compared covers the differences beyond cost.
Frequently asked questions
What are the fees on bitcoin ETFs like IBIT and FBTC?
As of November 2026, IBIT and FBTC both state a 0.25% annual sponsor fee, ARKB 0.21% and BITB 0.20%. Check the issuer's page for the current figure, since fees change and waivers exist.
Is a bitcoin ETF cheaper than owning bitcoin?
It depends how you count. An ETF charges an annual fee and a broker may add commissions. Coins have no annual fee but carry exchange and network fees when you buy or move them. The calculator shows the annual fee only.
How much does a 0.25% fee cost over 10 years?
About 2.5% of the holding with the price held still: 1 − 0.9975^10 is a little under 2.5%. Enter your own amount and years above for the figure in your currency.
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- Bitcoin vs real estateA home bought with a mortgage against the same money put into bitcoin, at growth rates you choose.
These tools are for information, not financial advice. An exchange quotes its own price, which includes its spread and fees.
Sources
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