Investing tools
XRP calculators
Everything runs in your browser; nothing you type is sent anywhere. Historical prices come from CoinGecko.
Not financial advice. These tools are for education and illustration. They ignore taxes, slippage and many real-world costs. Do your own research or talk to a licensed professional.
Dollar-cost averaging backtest
What if you had bought a fixed dollar amount of XRP on a schedule over a past window?
Loading price history…
Illustration only — not financial advice. Past prices do not predict future results. Uses daily closing prices; free API history is limited to 365 days.
Profit / loss calculator
Net result of one buy and one sell, including percentage fees on each side.
Sell price defaults to the latest XRP price; “Use live” refills the current price from CoinGecko.
Illustration only — not financial advice. Past prices do not predict future results. Taxes not included — in the U.S. the IRS treats digital assets as property (IRS).
ETF fee-drag calculator
How much an expense ratio costs over time, compared with holding XRP directly after a one-time trading cost.
| Ticker | Type | Expense ratio | Ending value | Lost to fees | Source |
|---|
Fee sources, waivers and notes
- XRPZ 0.19%: 10-Q filed Aug 14, 2026 · Waiver on the first $5.0B (Nov 24, 2025 to May 31, 2026) has expired.
- TOXR 0.30%: 424B3 filed Aug 27, 2026 · Sponsor fee was 2.50% before Dec 11, 2025.
- XRP 0.34%: 424B3 filed Sep 28, 2026 · Launch waiver on the first $500M (Nov 20 to Dec 19, 2025) has expired.
- GXRP 0.35%: 10-Q filed Aug 4, 2026 · Cut from 2.50% to 0.35% on Nov 24, 2025; waiver ended Feb 25, 2026.
- XRPC 0.50%: 10-Q filed Aug 7, 2026
- XRPR 0.75%: 485BPOS filed Jun 29, 2026 · 0.75% management fee; the adviser pays other expenses.
- XRPM 0.75%: 497K filed Nov 14, 2025 · Writes options; upside is capped.
- XRPI 1.68%: 497K filed Jun 26, 2026 · Fee waiver has expired. Holds futures, so roll costs apply.
- UXRP 2.43%: 497K filed Sep 28, 2026 · 0.95% management plus 1.48% other expenses.
- XXRP 2.77%: 497K filed Apr 29, 2026 · 1.89% management plus 0.88% other. 1-for-10 reverse split Jun 26, 2026.
- XRPT 3.13%: 497K filed Jun 26, 2026
Expense ratios from each fund’s own SEC filing (prospectus, 497K summary prospectus or 10-Q), checked Oct 28, 2026. Waivers can start or end at any time, so check the latest filing on SEC EDGAR. See also: NerdWallet XRP ETF list.
Illustration only — not financial advice. Past prices do not predict future results. Leveraged and futures funds also suffer compounding (“volatility decay”) and roll costs that this fee-only model does not capture; leveraged funds are designed for single-day use. Direct holding may have custody, spread or withdrawal costs not modelled here.