The calculation
32,000 Gbit ÷ (2.5 Gbps × 0.9) = 3 h 57 min 2 s
Sizes and rates use decimal units (1 GB = 109 bytes, 1 Gbps = 109 bit/s). If your source reports TiB or GiB, the data is about 10% or 7% larger respectively.
Effect of overhead
| Overhead | Transfer time |
|---|---|
| 0% | 3 h 33 min 20 s |
| 5% | 3 h 44 min 34 s |
| 10% | 3 h 57 min 2 s |
| 20% | 4 h 26 min 40 s |
| 30% | 5 h 4 min 46 s |
When it takes longer
A single TCP flow over a long-RTT path is capped at window ÷ RTT, so check the bandwidth-delay product before blaming the link. Disk throughput, encryption on one CPU core (scp, SMB signing) and shared links are the other usual suspects. Parallel streams (rclone --transfers 8, iperf3 -P 4) usually close the gap.