Forex Rebate Calculator

Updated 31 October 2026 · Written by Broker Atlas Guides Desk · Data checked by Broker Atlas Data Desk

Short answer

Monthly cashback = lots traded per month × rebate per lot. Trading 20 lots a month at $5 per lot earns $100 a month, so it takes 5 months to match a $500 bonus. The comparison is rough on purpose: a rebate is usually paid as withdrawable cash, while a deposit bonus is usually trading credit you can't withdraw, and many brokers don't let you combine the two.

How to use it

Lots per month: your typical monthly volume in standard lots. MT4/MT5’s History tab lists closed trades and their volume; add up a normal month. A 0.10-lot trade counts as 0.1.
Rebate per lot (USD): the amount the broker’s own programme or a cashback site pays per lot on your account type and instrument. Rates often differ between currencies, gold and indices.
Bonus value (USD): the bonus you’d give up, or be offered, for the same deposit.

The formula

Monthly cashback = lots per month × rebate per lot

Months to match the bonus = bonus ÷ monthly cashback, rounded up to a whole month (shown under the result).

Worked examples

Example 1: an active trader. 20 lots a month, $5 per lot, compared with a $500 bonus. 20 × 5 = $100 a month. 500 ÷ 100 = 5, so after 5 months the rebates equal the bonus.

Example 2: a light trader. 8 lots a month, $3 per lot, compared with a $300 bonus. 8 × 3 = $24 a month. 300 ÷ 24 = 12.5, so it takes 13 months.

What the result means

The calculator compares two numbers that aren’t the same kind of money:

	Cashback	Typical deposit bonus
Paid as	Cash, usually withdrawable	Trading credit
Withdrawable	Usually yes	Usually no; only profits made with it
Lost on withdrawal	No	Often reduced or removed
Depends on	Volume	Deposit size

So a bonus that “equals” five months of cashback may be worth less in practice, because withdrawing part of your balance can remove it. BigBoss, for example, cuts the bonus in proportion to any withdrawal and excludes accounts linked to cashback services (BigBoss bonus). How these rules work in general is in how forex bonuses work.

Cashback as a cost reduction

Another way to read the result is per lot. If one lot of EUR/USD costs you a 1.2-pip spread ($12) and you get $5 back, your net cost is $7 a lot, the same as a 0.7-pip spread. Comparing net costs this way lets you put a standard account with a rebate next to a raw-spread account with commission. Over the 20 lots of Example 1, the spread costs $240 and the rebates return $100, a net $140.

Limits

Rates change and differ by account type. A raw-spread account usually pays a smaller rebate than a standard account, because there’s less spread to share.
Payment terms (daily, weekly or monthly, minimum payout, method) vary by provider.
Volume definition. Some providers pay per side, some per round trip. Make sure your input matches.
Volume isn’t free. Each lot costs you the spread and any commission. A $5 rebate on a trade that costs $12 in spread still leaves $7 of cost. Use the pip value calculator to price the spread.

How rebates are funded and paid is explained in forex cashback rebates explained. To compare providers, see forex rebate sites compared; to compare broker offers, the bonus comparison.

Frequently asked questions

Is cashback better than a bonus?

It depends on how much you trade. Low-volume traders often get more from a bonus; active traders can earn more from rebates over a few months. Check whether the bonus is withdrawable and whether the broker allows both.

Is the rebate per lot one way or round trip?

Providers quote it differently. Most per-lot rebates are paid once per lot traded (open and close together), but check the provider's terms before you enter the figure.

Can I get cashback and a deposit bonus together?

Sometimes not. BigBoss, for example, excludes accounts linked to cashback services from its deposit bonus. Read the bonus terms first.

Is cashback paid on losing trades?

Usually yes, because it's based on volume, not results. That's also why it can encourage overtrading: the rebate never outweighs a losing strategy.