以下详细说明暂以英文提供。
Where the fees hide
Exchanges usually quote a maker/taker fee as a percentage of each trade’s value, and both legs of a round trip cost you: one fee when buying, another when selling. On a leveraged or high-frequency strategy those percentages compound into a serious drag, and spreads, withdrawal fees, and conversion charges can add more. Model your actual fee tier rather than the headline 0% marketing number.
A volatile market needs a wider lens
Crypto can deliver double-digit moves in a day, so a single buy-sell snapshot says little about a strategy. Consider what a 30% drawdown after your buy would do to the plan, whether you would hold or exit, and how taxes apply — in the US, each sale or swap is a taxable event just like a stock. Position sizing you can live with beats any projected return.
中国本地参考
在中国大陆做财务换算时，以下框架值与美国默认值差异很大：
- 个人所得税: 工资薪金基本减除费用为 5,000 元/月（60,000 元/年），综合所得适用 3%–45% 七级超额累进税率（自 2019 年起施行）。
- 社保与公积金: 养老保险单位缴费 16%、个人 8%；住房公积金常见缴存比例为 5%–12%，由各城市确定上下限。
- 价签与增值税: 标价为含税价（一般纳税人增值税率 13%/9%/6%），结账时不额外加税，与美国小票加税习惯不同。
- 数字与单位: 使用公制单位（厘米、米、千克、升），温度为摄氏度；人民币符号 ¥，千分位用逗号、小数用点：12,345.67 元。
- 小费文化: 餐厅不付小费，部分场所收取服务费并已在账单中标明；无需按美式 15%–20% 计算。
数据核对：2026 年 10 月
常见问题
How are the fees calculated?
Each fee applies to that leg’s dollar value: the buy fee to the amount you paid, the sell fee to the amount you received. Enter 0 if your exchange charges no trading fees.
Can I enter fractions of a coin?
Yes — crypto trades in fractions, so 0.5, 0.021, or any decimal quantity works. The math scales the fees proportionally.
Do I owe tax on crypto gains?
In the US and most countries, yes: selling or spending crypto at a gain is a taxable event. Short-term gains usually follow income tax rates and long-term gains the capital gains schedule.