---
title: "Nano Fee Savings Calculator | xno.money"
url: "https://xno.money/nano-fee-calculator/"
description: "Estimate monthly and yearly payment fees, then compare them with Nano's zero protocol fee. Adjust payment count, average amount, percentage fee, and fixed fee."
language: "en"
published: "2026-05-03"
modified: "2026-05-03"
source: "https://xno.money"
usage: "Free to read, quote, and cite with a link to the source URL."
---

payment cost calculator

# How much do payment fees cost you?

Enter your current payment volume and fee structure. The calculator estimates monthly and yearly fees and shows the difference versus Nano's 0 XNO protocol fee.

why calculate it

Percentage fees look small until they repeat across hundreds of payments. Fixed fees can be even more expensive when the average payment is low.

estimated result

Monthly payment volume **$10,000.00**

Estimated fee per payment **$0.59**

Estimated monthly fees **$590.00**

Estimated yearly fees **$7,080.00**

Nano protocol fee **0 XNO**

Potential yearly protocol-fee difference **$7,080.00**

what the result means

## Nano removes the protocol fee, not every business cost.

Estimate only. This compares your entered fee model with Nano's 0 XNO protocol fee. Wallet, exchange, conversion, accounting, tax, refund, and payment-provider costs can still apply.

Nano payments are final by default and do not include card-style chargebacks. Businesses should plan customer support and refunds before accepting direct settlement.

calculator faq

## Questions about Nano fees and savings.

Does Nano really charge zero transaction fees?

Yes. The Nano protocol does not deduct a transaction fee from the amount sent. Third-party wallets, exchanges, conversion services, or payment providers may still charge for their own services.

Does the result equal guaranteed business savings?

No. The calculator only compares the fee model you enter with Nano's protocol fee. Real savings depend on conversion, accounting, tax, support, refunds, custody, and the provider used.

Which payments benefit most from zero protocol fees?

Small, frequent, low-margin, cross-border, creator, and machine payments are usually the most sensitive to percentage fees and fixed per-payment charges.