Your Trade Setup
Fill in your monthly trading pattern. The calculator runs real XM and Exness fee math against your numbers in real time.
Trade Parameters
Side-by-Side Cost Breakdown
Every cost component, computed for both brokers. The winner gets highlighted automatically.
Calculating…
Adjust your trade setup above to see which broker costs less for your exact volume.
Total Annual Cost Comparison
Full Feature Comparison
Beyond fees — everything that matters for your broker choice.
| Feature | XM | Exness |
|---|---|---|
| Minimum Deposit | $5 (Micro/Std) | $1 (Standard) |
| Max Leverage | 1:1000 | 1:2000 (Unlimited*) |
| MT4 Platform | Yes | Yes |
| MT5 Platform | Yes | Yes |
| Copy Trading | Yes (XM Copy) | Yes (Social Trading) |
| Crypto CFDs | Limited (BTC, ETH) | 30+ pairs |
| Islamic (Swap-Free) | Yes | Yes |
| Mobile Apps | iOS + Android | iOS + Android |
| Education Center | Webinars + video + live | Basic academy |
| Customer Support | 24/5 | 24/7 |
| Languages | 30+ | 15+ with native reps |
| No-Deposit Bonus | $30 free | No bonus |
| Regulation Count | 3 licenses | 8+ licenses |
| Inactivity Fee | $5/month after 90d | None |
| Withdrawal Speed | 1-3 days | Instant (most methods) |
Best Broker by Trading Style
Different traders need different brokers. Here's the honest breakdown.
Best for Beginners
The $30 no-deposit bonus lets you trade real money without risk. Combined with the biggest education library in the industry (webinars, video courses, live sessions in 30+ languages), XM is the safer onboarding path.
Best for Scalping
Zero-account spreads start at 0.0 pip on 30 major instruments during peak liquidity. Combined with instant execution and no markup on raw feed, scalpers save 30-50% on spread cost versus XM.
Best for Swing Trading
Lower overnight swap rates on major FX pairs and gold. For traders holding positions 3-10 days, Exness can save $50-200/month depending on volume.
Best for Low Capital
$1 minimum deposit on Standard accounts (vs XM's $5), combined with 1:2000 leverage and instant crypto withdrawals, makes Exness the obvious pick for traders starting with under $100.
Best for Learning Structure
If you want handholding — live educational webinars, a dedicated account manager above $500 deposit, and structured onboarding — XM offers more guidance than Exness.
Best for High Volume
Raw Spread and Zero accounts with $3.5/lot commission plus tight spreads beat XM on effective cost at 50+ lots/month. Unlimited leverage kicks in above $200 deposit.
Frequently Asked Questions
Quick answers to the most common questions about total broker costs.
Is XM or Exness cheaper overall?
For most retail traders Exness is cheaper because of tighter average spreads (1.0 pip vs 1.6 pip on Standard accounts), no inactivity fee, and free withdrawals on crypto and most e-wallets. XM can be cheaper if you use its $30 no-deposit bonus to offset initial costs or qualify for tiered loyalty rebates.
How is the total cost of trading actually calculated?
Total cost = (spread in pips × pip value × lots) + (commission per lot × lots) + (swap per night × nights held × lots) + deposit fees + withdrawal fees + inactivity fees. Our calculator runs this math for both brokers simultaneously so you see the real difference for your exact trading volume.
Which account type is cheapest on XM and Exness?
On XM the cheapest is the Zero account (0.1 pip spread + $3.5 commission per lot per side). On Exness the Raw Spread and Zero accounts both carry $3.5 per lot per side commission but the Zero account offers 0.0 pip spreads on 30 major instruments during peak liquidity.
Does XM charge an inactivity fee?
Yes. XM charges $5 per month after 90 days of inactivity, and a one-time $15 dormancy fee when the account first becomes inactive. Exness does not charge any inactivity fee regardless of how long your account stays idle.
Are swap fees higher at XM or Exness?
Exness generally has lower swap costs on major FX pairs because of its instant processing and lower markup. For swing and position traders holding overnight, the difference can reach $5 to $15 per lot per week — significant at higher volumes. Islamic (swap-free) accounts are available on both brokers.
Ready to Open Your Account?
Both brokers offer free demo accounts. Test them yourself before committing real capital.