Divide advertised Mbps by 8 for ideal MB/s — a 100 Mbps link is about 12.5 megabytes per second at full throttle.
ISPs sell megabits; file sizes are megabytes. Protocol overhead and Wi-Fi mean real transfers run below that ideal.
Then protocol overhead takes more. TCP/IP headers, retransmits and TLS mean a 100 Mbps link delivers nearer 11 MB/s of payload than 12.5 — and on a lossy or high-latency path, far less than that, because throughput becomes limited by the window rather than the wire.
Estimate with the rule, then check it against the calculator that models it properly.
Open Data Transfer Time Calculator →Divide advertised Mbps by 8 for ideal MB/s — a 100 Mbps link is about 12.5 megabytes per second at full throttle. ISPs sell megabits; file sizes are megabytes.