TABLE · 01
Binance fee layer calculator
Stack the spot base rate, invite-code up to 20%, and BNB 25% by multiplying. Enter a notional in USDT for an indicative save. Checked August 2026.
Enter a notional
The two layers multiply as coefficients. You do not add twenty and twenty-five. An invite code often rebates part of a fee already taken; the 0.10% on the schedule does not become 0.08% because of it. The indicative net cost folds the rebate into an effective rate so you can compare. The numbers in your account still follow the referral page and the fee page.
How to use this (collapsed by default)
What this table answers
One question: how the base rate, the invite-code cut, and the BNB pay-with-BNB cut multiply. It does not forecast your VIP tier. It does not read an account.
How to run it
Change the notional and the base rate. Tick the layers you want stacked. The large number on the result card is the indicative gap versus both layers off.
Why it multiplies
Add 20% and 25% and you get 45%, which will not match a bill. The coefficients are 0.8×0.75=0.6.
Where the default comes from
The 0.10% default is an indicative VIP0 spot figure checked against the public schedule in August 2026. Trust the Binance fee page that day.
Who it is for
Anyone who wants to see how an invite code and a BNB cut stack. If you already sit on a high VIP schedule, read the official table.
Can the number stand in for a bill
No. Campaigns, maker versus taker, and a thin BNB balance all make the live debit differ from the sketch.
Related notes
Fee wording sits in How Binance fees stack. Account steps sit in Open a Binance account. This tool has no sign-up button.