USDT Cash-Out CalculatorSee how much local currency you really get after selling USDT, and what the P2P margin and network fee take

When you receive USDT it's easy to fix on "how much one coin sells for" and forget there are two deductions between that and the local currency you actually hold: the margin between the P2P sell price and the market mid-rate, and the withdrawal/network fee. Enter the four values below and this calculator combines both, so you can see how much arrives, how much is taken, and roughly what percentage the whole thing costs. Runs entirely in your browser; no data is uploaded.

How to fill it in: the "P2P/sell price" = how much local currency 1 USDT actually sells for on an exchange's P2P market or with a merchant; the "market mid-rate" = roughly how much local currency 1 USDT is worth from a search engine or finance site. Use the same local currency for both.

Local currency received (approx.)—

Taken by the margin (local currency)—

Effective total cost % (margin + network fee)—

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How to read these numbers

Local currency received: (USDT amount − network fee) × P2P sell price. This is what you actually get in local currency—compare this, not just "how much one coin sells for".
Taken by the margin: the extra local currency the same USDT would fetch at the market mid-rate—it appears in no fee line and is the most hidden cost. The closer the P2P sell price is to the mid-rate, the smaller this is.
Effective total cost %: using "the local currency you'd get at the mid-rate" as the baseline, the share eaten by the network fee and margin together. Put this number side by side for two or three P2P merchants and pick the lowest.

To understand how USDT is sold into local currency step by step and where P2P goes wrong, see how to cash out USDT into local currency and stablecoin transfers. To see how much cheaper the stablecoin route really is than Wise and the like, see is crypto cheaper than Wise.

The result is an estimate based on the numbers you enter, and does not include on-chain gas, bank credit fees, or other merchant deductions; P2P prices and fees change constantly, so the actual amount received is whatever the platform's page shows at the time.

This tool is a pure front-end estimator; it does not connect to the internet or collect data. Exchange rates and fees are whatever each platform's page shows at the time. Updated 2026-07-02.