UTXO Consolidation Calculator

Quick answer

Every coin you receive is a separate UTXO, and when you eventually spend, you pay a fee for each input you include — input size (not the bitcoin amount) is what costs you. Consolidating many small UTXOs into one during a low-fee window is cheap insurance against a future where fees are high. This calculator estimates the consolidation transaction size and cost now, what you would save on a later spend, the net benefit, and the break-even future fee rate — so you can decide whether consolidating today actually pays off.

Rule of thumb: consolidate when current fees are LOW and you expect to spend when fees are HIGHER — the bigger that gap, the more you save. But weigh the PRIVACY cost: merging UTXOs links them to one another and to a single output on-chain, which can connect addresses you meant to keep separate. Sizes here are estimates (signatures vary by a vbyte or two); always preview the real fee in your wallet before broadcasting. Not financial or privacy advice — your threat model is your own.