Wealthsimple Trade advertises "$0 commissions" but charges a 1.5% FX margin on USD trades unless you upgrade to Premium ($10/mo) or Generation. This calculator shows your real annual cost for both tiers and the break-even volume where Premium pays for itself.
Sum of all US-listed buys + sells for the year.
Total annual cost on selected tier
$300
Break-even (Core → Premium)
$4,000
USD trade volume above which Premium saves money
FX cost (this tier)
$300
Subscription fee (this tier)
$0
Same volume on Core
$300
Same volume on Premium
$120
Read the full Wealthsimple Review 2026 or compare with Questrade head-to-head.