Sharesies and Hatch FX Cost Calculator NZ

This calculator works out the fees you pay when buying US shares from New Zealand through platforms like Sharesies or Hatch, separating the transaction fee from the foreign exchange fee and showing how much of your money is left to actually invest. Investing in overseas shares from New Zealand involves two distinct charges that are easy to overlook. The first is a transaction or brokerage fee on the trade itself. The second, often the larger one, is a foreign exchange fee to convert your New Zealand dollars into US dollars, charged as a percentage of the full amount you convert, and it bites again when you eventually sell and bring the money home. You enter the New Zealand dollar amount you are investing, your platform's transaction fee percentage and its FX fee percentage, and the calculator shows the total fees, the amount that ends up invested, and the combined fee as a percentage. The lesson is usually about frequency and size: because these fees are charged on each conversion and trade, lots of small purchases carry a heavier proportional cost than fewer larger ones. Fees vary by provider and change over time, so enter your platform's current rates, and remember to factor in the second FX fee when you sell.

Calculate.co.nz is proud to be partnered with Premium Homes, a recognised leader in eco-friendly, sustainable, and energy-efficient homebuilding. With a dedicated team and award-winning experience, they create homes that prioritise health, comfort, and long-term performance. Their founders, Andrew and Kelly, set out to raise the standard of residential construction in New Zealand by combining practical building expertise with a clear commitment to doing things better for homeowners.
Calculate.co.nz partner: Premium Homes
Advertise on this page
$
%
%
$10
total fees on this purchase
Transaction fee$5
FX fee$5
Actually invested$990
Total fee1%

FX fee usually applies again when you sell and convert back to NZD. Fees vary by platform and change. Estimate only.

How it works

The calculator applies the transaction fee and the FX fee to your investment amount, adds them for the total fees, and subtracts that from your amount to show what is actually invested. The combined fee percentage is the total fees divided by the amount.

Worked example

Investing 1,000 dollars with a 0.5 percent transaction fee and a 0.5 percent FX fee costs 5 dollars plus 5 dollars, a total of 10 dollars, so 990 dollars is invested, a 1 percent fee on the way in, with another FX fee due on the way out.

Related calculators

Frequently asked questions

What fees apply when buying US shares from New Zealand?

Typically a transaction fee on the trade and a foreign exchange fee to convert New Zealand dollars to US dollars. Both eat into how much actually gets invested, and the FX fee applies again when you sell and convert back.

Why does the FX fee matter?

Because it is charged on the full amount you convert, every time. On frequent small trades the combined transaction and FX fees can be a meaningful drag, so larger, less frequent investments are more fee-efficient.

Do fees differ between platforms?

Yes. Transaction and FX fees vary between Sharesies, Hatch and other providers and change over time. Enter your platform's current rates for an accurate figure.