Compare accounts with one repeatable annual-cost model: recurring fees plus expected ATM and transfer charges plus known one-off costs.
Enter recurring account, ATM and transfer charges plus known one-off annual fees. Use the same behavior assumptions for every account you compare.
Turn scattered account charges into one annual baseline
An account described as free can still be expensive for a newcomer who uses out-of-network cash machines or paid transfers. A fee waiver can also disappear in a month when salary or balance conditions are not met. This calculator creates a repeatable baseline instead of a promotional-price comparison.
Check each input against the bank-account fees newcomers often miss so occasional charges are not omitted.
The result uses only the charges entered; it does not include interest, penalties or foreign-exchange markup unless you add them to your comparison separately. Save the dated fee schedule behind each set of inputs.
After pricing the account, build a full first-account comparison checklist that also covers documents, cash access, international use and failure states.
The result follows the published WELCOME.YOU methodology and uses only the answers you enter.