Add fixed and variable route costs
For each route, total cost equals fixed fee + transfer amount × percentage fee. Net arrival value equals transfer amount − total cost. Use the same currency for transfer value and both fixed fees. Percentage fees are applied once to the original transfer amount. The route with the lower total cost has the higher modeled net arrival, assuming both deliver equivalent assets valued on the same basis.
See how transfer size changes the comparison
Suppose route A hypothetically charges $4 plus 0.20%, while route B charges $12 plus 0.10%. On a $10,000 transfer, A costs $24 and B costs $22, leaving $9,976 and $9,978 respectively. Their costs are equal at $8,000 because A's $8 fixed-fee advantage offsets its extra 0.10% variable charge. Below that amount A is cheaper; above it B is cheaper under these unchanged fees.
Include gas only when it is in the entered fee
The model does not add gas automatically. Include known gas or other fixed charges in the fixed-fee input when that is appropriate for your comparison, without counting them twice. It excludes destination swaps, fluctuating exchange rates, route incentives, and unentered service charges. A calculated fee larger than the transfer indicates an uneconomic input scenario; a real route may reject it. Net arrival is a value estimate, not a guaranteed delivered token amount.