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Real transfers don't hit theoretical max. ~85% is realistic for TCP over Ethernet; lower for WiFi/VPN.

Why your "100 Mbps" connection moves at 12 MB/s

Internet speeds are sold in bits per second. File sizes are in bytes. One byte = 8 bits. So 100 Mbps ≈ 12.5 MB/s in theory, ~10–11 MB/s in practice after TCP overhead, retransmits, and the gentle dishonesty of marketing.

ConnectionTheoretical maxReal-world
10 Mbps DSL1.25 MB/s~1.0 MB/s
100 Mbps cable12.5 MB/s~10–11 MB/s
Gigabit fiber125 MB/s~100–115 MB/s (TCP/Ethernet limits)
10 Gbps1.25 GB/sOften CPU-limited at the endpoints

The "efficiency" slider on the calculator above lets you set realistic expectations. Defaults to 85%, which is reasonable for direct wired transfers; drop to 50–65% for typical home WiFi.