Overseas Remittance Calculator

Estimate recipient amount and total transfer cost from FX margin, sender fee, intermediary fee, and recipient fee.

Remittance inputs

Estimate recipient amount after FX margin, sender fee, intermediary fee, and recipient fee.

Send amountMarket rateFX margin

Sender feeIntermediary feeRecipient fee

Recipient gets

2,653.4

Remittance rate

1.3392

Effective rate

1.318787

Sender total cost

2,012

Converted before fees

2,678.4

Total fee impact

62.8

2.33% of market value

Related calculators

Currency Exchange CalculatorConvert currencies using exchange rate, spread, fixed fee, and service fee assumptions.
Stock Average Price CalculatorCalculate average cost, total shares, break-even price, and profit or loss after multiple stock purchases.
Compound Interest CalculatorEstimate future value, total contributions, interest earned, and the rule-of-72 timeline from an initial investment and monthly deposits.
PER/PBR CalculatorCalculate price-to-earnings, price-to-book, earnings yield, ROE estimate, and target price by PER.
Gold Price CalculatorCalculate gold value from grams, troy ounces, karat purity, spot price, exchange rate, and dealer premium.
Sharpe Ratio CalculatorMeasure risk-adjusted return using portfolio return, risk-free rate, and volatility.

What reduces the recipient amount

Cross-border transfers can include a sender fee, exchange-rate margin, intermediary bank fee, and recipient bank fee. The calculator separates those assumptions so providers can be compared on total cost.

Using effective rate

Effective rate divides what the recipient receives by what the sender pays. It is often the cleanest way to compare remittance options with different fee structures.