How much does it cost to create a token on the XRP Ledger?

On the ledger itself, very little: 1 XRP held in reserve for each account, 0.2 XRP for each trust line, and about 0.000012 XRP a transaction. Creating the AMM pool burns one more reserve increment, and the pool needs whatever XRP you put into it.

What does xrpl.to charge to launch a token?

A launch fee of 2 XRP when the creator keeps none of the supply, rising with the share the creator keeps; xrpl.to also keeps 3% of the supply. The wizard shows the exact amount before you pay.

Do I get the reserve back?

Reserve XRP stays locked while the account and its objects exist. It becomes spendable again when the objects are removed, and the account’s base reserve, minus a fee, when the account is deleted.

Insights

XRPL Token Launch Cost

Issuing a token on the XRP Ledger needs no contract: an account issues it and another holds it. What a launch costs is mostly reserves you keep, a few fees that are destroyed, and the XRP you put in the token’s first pool. xrpl.to’s launch wizard asks 105 XRP for a launch with a 100 XRP pool.

A launch, item by item

Issuer account reserve	1 XRP · $1.31	Locked in the account that issues the token; the account cannot spend it
Holder account reserve	1 XRP · $1.31	Locked in the account that receives the supply
Trust lines and pool share	0.6 XRP · $0.79	0.2 XRP for each object those accounts own
Network fees	0.2 XRP · $0.26	Destroyed, including the fee to create the pool
xrpl.to launch fee	2 XRP · $2.62	Paid to xrpl.to; depends on how much the creator keeps (below)
Pool liquidity	100 XRP · $131.15	The XRP side of the AMM pool, chosen by you: what sellers of the token are paid from
Total to fund	105 XRP · $137.70

xrpl.to’s live quote for a 1 billion supply, a 100 XRP pool and no creator allocation, refreshed hourly; the launch wizard quotes your own settings the same way.

xrpl.to’s launch fee

No creator allocation	2 XRP
Creator keeps 1–30% of supply	5 XRP
31–60%	10 XRP
61–90%	15 XRP

The more of the supply the creator keeps, the higher the fee. xrpl.to also keeps 3% of the supply.

Doing it yourself

Without a launch service the ledger’s own costs are all there is:

1 XRP reserved in each of the two accounts, issuer and holder.
0.2 XRP reserved for the holder’s trust line to the token, and again for its line to the pool’s LP token.
0.2 XRP destroyed to create the pool: AMMCreate’s fee is one owner reserve increment (rippled).
The pool’s XRP, as much as you choose, and about 0.000012 XRP for each other transaction.

Order matters: an issuer that wants a fixed supply should blackhole its account only after the supply is issued and the pool exists (how to launch a token).

Questions

How much does it cost to create a token on the XRP Ledger?: On the ledger itself, very little: 1 XRP held in reserve for each account, 0.2 XRP for each trust line, and about 0.000012 XRP a transaction. Creating the AMM pool burns one more reserve increment, and the pool needs whatever XRP you put into it.
What does xrpl.to charge to launch a token?: A launch fee of 2 XRP when the creator keeps none of the supply, rising with the share the creator keeps; xrpl.to also keeps 3% of the supply. The wizard shows the exact amount before you pay.
Do I get the reserve back?: Reserve XRP stays locked while the account and its objects exist. It becomes spendable again when the objects are removed, and the account’s base reserve, minus a fee, when the account is deleted.