A few practical concepts make transfer estimates much easier to understand.
Mbps is not MB/s
Internet and network links are normally advertised in bits per second, while file sizes are usually shown in bytes. Because 1 byte = 8 bits, a 1 Gbps link has a theoretical maximum file-transfer rate of 125 MB/s.
Convert Mbps to MB/s →Why real transfers take longer
The calculator shows an ideal line-rate estimate. Protocol overhead, latency, Wi-Fi quality, encryption, disk speed, server limits and other traffic can all reduce the throughput you actually see.
Learn about transfer overhead →TB and TiB are different
A terabyte uses decimal units: 1 TB = 1,000,000,000,000 bytes. A tebibyte uses binary units: 1 TiB = 1,099,511,627,776 bytes. Mixing them can noticeably change a transfer estimate.
Compare storage units →