Fidelity Trading Fee Calculator

Enter your trade amount, share count, trade direction, and asset type to calculate your total Fidelity trading fees including SEC regulatory fees ($27.80 per $1M), FINRA TAF ($0.000166 per share), options contract charges ($0.65 each), and net proceeds.

Created by Luis GonzalezLast updated: June 24, 2026

How to Use This Calculator

1
Select Trade Direction
Choose 'Buy' or 'Sell'. Regulatory fees like SEC and FINRA TAF only apply to sell orders.
2
Choose Asset Type
Select 'Stock / ETF', 'Options', or 'Mutual Fund', as fees vary significantly by asset type.
3
Enter Trade Amount
Input the total dollar value of your trade (shares x price per share).
4
Enter Number of Shares or Contracts
Enter the quantity of shares (for stocks/ETFs) or contracts (for options). This is used for FINRA TAF and options contract fee calculations.
5
Review Results and Insights
The calculator displays Total Fees, Net Proceeds (or Total Cost for buys), and Fee as % of Trade. The insights panel shows a breakdown of each fee component and projects annual costs for active traders.

Example Calculation

An investor plans to sell $10,000 worth of stock (100 shares at $100/share) through Fidelity and wants to estimate the trading fees.

Trade Direction

Sell

Asset Type

Stock / ETF

Trade Amount ($)

$10,000

Number of Shares

100

Results

Total Fees

$0.2946

Net Proceeds

$9,999.71

Fee as % of Trade

0.0029%

Insights card shows SEC fee of $0.

Tips

Sell-Side Regulatory Fees Are Unavoidable

SEC and FINRA TAF fees apply to all sell orders at every broker, not just Fidelity. On a $10,000 stock sale with 100 shares, expect about $0.29 in regulatory fees. These are tiny but mandatory.

Options Contract Fees Add Up Fast

While Fidelity charges $0 commissions on stock/ETF trades, options cost $0.65 per contract. A 10-contract options trade adds $6.50 in fees. Multi-leg strategies with 4 legs of 10 contracts each would cost $26.00.

Mutual Fund Flat Fee Is Significant

Fidelity charges $49.95 per transaction for non-NTF mutual funds. On a $10,000 trade, that is 0.50% of your investment. Consider Fidelity's No-Transaction-Fee (NTF) fund list to avoid this cost entirely.

Use the Insights Panel for Annual Cost Projection

The insights panel projects your annual trading costs if you make the same trade weekly. For a $10,000 stock sell, annual regulatory fees would be about $15.32 over 52 trades.

The Fidelity Trading Fee Calculator helps investors estimate the various costs associated with trading on the Fidelity platform, including $0 commissions on stocks/ETFs, SEC regulatory fees, FINRA TAF on sell orders, and options contract charges.

Even with commission-free trading in 2026, regulatory fees still apply.

For example, selling $10,000 worth of stock (100 shares) incurs approximately $0.29 in total regulatory fees.

Understanding Fidelity's Fee Structure in 2026

Fidelity offers $0 commissions on U.S. stock and ETF trades, but several regulatory and product-specific fees still apply.

Understanding these fees helps you accurately estimate your true trading costs:

SEC Fee (Sell Orders Only): A regulatory fee on the total principal value of securities sold, charged by the U.S. Securities and Exchange Commission. Current rate: $27.80 per $1,000,000 of principal (0.00278%).
FINRA TAF (Stock/ETF Sells Only): The Financial Industry Regulatory Authority Trading Activity Fee, applied per share for stock and ETF sales. Rate: $0.000166 per share, capped at $8.30 per trade.
Options Contract Fee: A per-contract fee for all options trades (both buys and sells). Rate: $0.65 per contract at Fidelity.
Mutual Fund Commission: A flat $49.95 fee per transaction for non-NTF mutual funds. NTF funds trade commission-free.

💡 Compare Fidelity's fee structure with other platforms. Our Brokerage Fee Comparison Calculator can help you evaluate costs across different brokers.

Worked Example: Selling $10,000 of Stock

An investor sells $10,000 worth of stock (100 shares at $100/share) through Fidelity.

Since this is a sell order for stocks, both regulatory fees apply.

Step-by-step calculation:

Commission: $0.00 (Fidelity offers $0 commission on stocks/ETFs)
SEC Fee: $10,000 x ($27.80 / $1,000,000) = $10,000 x 0.0000278 = $0.2780
FINRA TAF: 100 shares x $0.000166/share = $0.0166
Options Contract Fee: Not applicable for stock trades = $0.00
Total Fees: $0.2780 + $0.0166 = $0.2946
Net Proceeds: $10,000 - $0.2946 = $9,999.71
Fee as % of Trade: ($0.2946 / $10,000) x 100 = 0.0029%

The total regulatory fees for this $10,000 stock sale are just $0.29, demonstrating how minimal these costs are for standard stock trades at Fidelity.

💡 Planning your investment strategy? Our Stock Profit Calculator can help you estimate potential gains after accounting for trading fees.

When Fees Matter Most: Options and Mutual Funds

While stock and ETF regulatory fees are negligible, other asset types carry more significant costs:

Options Example: Buying 20 contracts at $5.00 per contract ($10,000 total trade value):

Options contract fee: 20 x $0.65 = $13.00
Total fee as percentage: 0.13% of trade value

Mutual Fund Example: Buying $10,000 of a non-NTF mutual fund:

Commission: $49.95 flat fee
Total fee as percentage: 0.50% of trade value

These examples show why asset type selection significantly impacts total trading costs.

Active options traders making 10 trades per week at 20 contracts each would pay $6,760 annually in contract fees alone.

Hidden Costs Beyond Direct Trading Fees

Beyond the direct regulatory fees that this calculator estimates, investors should be aware of additional costs that can impact returns:

Expense Ratios: Mutual funds and ETFs charge annual expense ratios (typically 0.03% to 1.5%) that are deducted from fund assets. A $100,000 portfolio in a fund with a 0.50% expense ratio costs $500/year.
Bid-Ask Spread: The difference between buy and sell prices is an implicit cost not shown as a fee. Thinly traded stocks or options can have spreads of 1% or more.
Payment for Order Flow: While not a direct fee, some brokers route orders to market makers who may not provide the best execution price.
Foreign Transaction Fees: Trading international securities may incur additional charges.

Comparing Major Brokerage Fee Structures in 2026

Most major brokers now offer $0 commissions on U.S. stocks and ETFs.

Key differences emerge in options and mutual fund pricing:

Feature	Fidelity	Schwab	E*TRADE	Robinhood
Stock/ETF Commission	$0	$0	$0	$0
Options (per contract)	$0.65	$0.65	$0.65	$0
Mutual Fund (non-NTF)	$49.95	$49.95	$19.99	N/A
SEC/FINRA Fees	Passed through	Passed through	Passed through	Passed through

All brokers pass through SEC and FINRA regulatory fees on sell orders.

The primary differentiators are options contract fees and mutual fund transaction costs.

Frequently Asked Questions

What are Fidelity's typical trading fees for stocks and ETFs in 2026?

Fidelity offers $0 commissions for online trades of U.S. stocks and ETFs. However, regulatory fees still apply to sell orders: the SEC Fee ($27.80 per $1,000,000 of principal) and FINRA TAF ($0.000166 per share, capped at $8.30). On a typical $10,000 stock sale of 100 shares, total fees are about $0.29.

What is the SEC Fee and how is it calculated?

The SEC Fee (Section 31 Fee) is a regulatory fee charged on all sell transactions to fund the SEC's oversight of securities markets. The current rate is $27.80 per $1,000,000 of principal sold (0.00278%). For a $10,000 sell order, the SEC fee is $0.2780. The rate is adjusted periodically by the SEC.

What is the FINRA Trading Activity Fee (TAF)?

The FINRA TAF is a regulatory fee of $0.000166 per share on all stock and ETF sell orders, capped at $8.30 per trade. For 100 shares, the fee is $0.0166. The cap is reached at approximately 50,000 shares. This fee does not apply to options or mutual fund trades.

How much does options trading cost at Fidelity?

Fidelity charges $0.65 per options contract for both buy and sell orders. For example, trading 10 contracts costs $6.50. On sell orders, the SEC fee also applies to the total trade value. There is no FINRA TAF on options trades.

Does Fidelity charge fees on mutual fund trades?

Fidelity charges a $49.95 flat commission on non-NTF (No-Transaction-Fee) mutual fund trades. However, thousands of mutual funds on Fidelity's NTF list can be traded with $0 commission. Mutual fund trades are exempt from SEC and FINRA TAF fees but do incur the $49.95 commission if not NTF.