Bitcoin calculator · USD and BTC

Bitcoin calculator. Convert USD and BTC.

Enter a dollar or Bitcoin amount to estimate its value in the other currency. Adjust the reference price and fees, compare two quotes, or plan a domestic wire purchase.

Use the calculator

Reference BTC/USD price with manual fallbackUSD to BTC and BTC to USD conversionWire service fee and separate bank costs

Estimates do not lock a price. Purchases are for eligible U.S. customers, subject to state availability and account review. Check the final quote before approval.

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Bitcoin calculatorNo account required · inputs stay on this page

What would you like to estimate?

USD amountEnter the amount you are planning$

Reference price per BTCEditable$ Fee assumptionOptional%Hypothetical percentage, not a live Bitcoin network fee.

Loading a reference market price…

Illustrative estimate Waiting for price…

The result updates automatically when the reference price is available.

SatoshisUnavailableFee assumption0%Reference priceUnavailable

Compare U.S. payment options →Review wire fees

Use the estimate well

How to use the Bitcoin purchase calculator

Choose USD to BTC for a dollar budget or BTC to USD to value a Bitcoin amount. The examples below assume $100,000 per BTC; this is an illustrative price, not the current market price or an offer. Enter your own reference price above, then compare the result with the actual provider quote.

The wire examples and estimates use our flat 8% wire service fee. Review your final quote and charges before wiring. If you need help preparing, read how our wire team supports your Bitcoin purchase.

What is $300 in Bitcoin?

At the assumed $100,000 price, $300 ÷ $100,000 = 0.003 BTC, or 300,000 satoshis, before fees. Choose the $300 quick amount in USD to BTC to try it at the reference price shown. Our satoshi guide explains the units.

How do I calculate BTC to USD with fees?

Multiply BTC by the reference price, then subtract the assumed costs. At the same assumed price, 0.1 BTC is $10,000 before costs; a hypothetical 2% deduction gives $9,800. Choose BTC to USD and enter your amount and percentage assumption. This value is not a sale or bank-payout quote.

How do fees affect the result?

In simple USD to BTC conversion, a hypothetical 2% deduction from $300 leaves $294 for Bitcoin. At the assumed price, that is 0.00294 BTC. Actual charges may be calculated differently. For two real offers, compare the complete dollars paid and final BTC received.

Calculator FAQ

What the result does and does not mean.

Keep the estimate separate from an actual quote, purchase request, funds received, Bitcoin delivery, or settlement.

Is this a live Bitcoin purchase quote?

No. It is an illustrative conversion based on the reference price and fee assumption shown in the calculator. It does not reserve a rate or start a purchase.

Where does the reference price come from?

The calculator requests a public BTC/USD reference price from CoinGecko. You can refresh or replace that price manually. An actual checkout may use a different rate.

Does the fee field show a Crypto Dispensers fee?

Simple conversion uses your hypothetical percentage. The wire purchase option applies our published 8% service fee for every wire amount to the full wire. Add other quoted charges separately. The result is still an estimate, not a final quote.

Does the result mean I will receive that amount of Bitcoin?

No. A calculator result is not a purchase, provider approval, funds received, fulfillment, wallet delivery, revenue, or settlement. Review the final rate and terms in the applicable purchase flow.

Does this calculate Bitcoin network transaction fees?

No. The percentage field is a hypothetical cost assumption, not a live Bitcoin network-fee estimate. A network fee depends on the transaction's size in virtual bytes and the fee rate in satoshis per virtual byte. Check the sending wallet or provider for the transfer you intend to make. Use our Bitcoin network-fee calculator and read Blockstream's explanation of transaction size and fees.

How much would it cost to buy one Bitcoin?

The reference price shows the value of 1 BTC before purchase costs. The full amount you pay also depends on the provider quote and applicable charges. USD to BTC estimates what an entered dollar budget could buy; BTC to USD values an existing BTC amount. A fee-adjusted BTC to USD value is not the payment required to buy that amount. Use our 1 BTC purchase planner to work through the buying budget and review the final quote.

Ready to compare purchase routes?

Review card, ACH, and wire options separately before choosing what fits.

Compare ways to buy Bitcoin →

Compare the complete cost

Compare two quotes.
See the Bitcoin you receive.

A headline fee does not tell you the whole cost. Enter the dollars you would pay and the Bitcoin you would actually receive for two offers. Compare quotes taken at approximately the same time, for the same purchase size and delivery destination.

Use hypothetical amounts or non-identifying quote totals. Do not enter account details, wallet addresses, or order references. This tool does not request a quote or submit a purchase.

Enter both quotes to compare the effective USD cost per Bitcoin.

How the comparison is calculated

Total cost = provider payment + separately paid charges.
Effective USD per BTC = total cost ÷ final BTC received.

The percentage difference compares the higher effective cost with the lower effective cost. It is a difference between the two entered offers, not a provider’s fee percentage or a measurement of its spread.

Hypothetical example: Quote A costs $10,000 plus a $25 bank charge and delivers 0.10 BTC: $100,250 per BTC. Quote B costs $10,000 with no separate charge and delivers 0.098 BTC: approximately $102,040.82 per BTC. In that example, B has a 1.79% higher effective cost. These invented numbers do not represent current Bitcoin prices or any company’s pricing.

Prefer to keep the comparison? Open the fillable Bitcoin cost worksheet (PDF, new tab). It includes space for two dated quotes, the complete-cost formula and the same worked example. Reviewed October 14, 2026.

Compare equivalent services. A lower calculated cost does not establish availability, reliability, suitability, delivery speed, or which provider you should use. Quotes can expire; use the final terms before confirming.

Understand fees and spread · Review the wire purchase route · Compare Bitcoin wire providers

From comparison to a purchase.

For a bank-funded purchase, use our Bitcoin wire conversion-fee estimator to check the percentage charge, then confirm processing, delivery, and bank charges in the full quote. Review eligibility, when the price becomes final, and the Bitcoin amount delivered to your wallet. A calculator result does not lock a price.

Review buying Bitcoin by wire · Read the wire fee guide · Plan a purchase of 1 BTC

See what public fee schedules leave out.

Our Bitcoin purchase fee study calculates published charge components at $1,000, $5,000 and $10,000. It includes a source-linked dataset and explains why an executable quote is still needed to compare the Bitcoin you receive.

Comparing a sale instead? Use the net bank payout calculator.

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How can we help you buy or use crypto?

Create an account to see the services available to you. You can buy Bitcoin by wire, debit, credit or ACH, sell supported crypto for a USD bank payout, or exchange supported assets. Contact our team if you need help choosing a service.

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Creating an account does not authorize a payment. Availability depends on your location, account and required checks.