Remittance Take-Home CalculatorCount the fee and the margin hidden in the rate together, and see how much really arrives

Comparing on the "fee" alone gets you burned, because what really eats your money is usually the exchange margin. Enter the four values below and this calculator combines both costs, so you can see how much actually arrives, how much the margin takes, and the effective total cost of the transfer. Runs entirely in your browser; no data is uploaded.

How to fill it in: the "provider rate" = the quote on the provider's page, "1 unit of send currency = ? receive currency"; the "market mid-rate" = the live rate for the same currency pair from a search engine or finance site. Make sure both use the same currency direction.

Amount actually received (receive currency)—

What you'd receive at the mid-rate—

Quietly taken by the exchange margin—

Margin size—

Effective total cost (fee + margin, in send currency)—

—

How to read these numbers

Amount actually received: (amount sent − fee) × provider rate. This is the only number worth comparing across providers—compare this, not the fee.
Taken by the margin: the extra the recipient would have received if the same money were converted at the market mid-rate—it appears in no fee line and is the most hidden cost.
Effective total cost: the fee + the margin loss (converted back to send currency); divide it by the amount sent and you get the true cost of this transfer as a percentage. Put this number side by side for two or three providers and pick the lowest.

To understand why the margin is such a trap and how to look up the mid-rate, see how fees and the exchange margin eat your money and how to read exchange rates. For how the four channels compare overall, see four ways compared.

The result is an estimate based on the numbers you enter, and does not include intermediary-bank charges, receiving-bank credit fees, or other deductions that may apply at the receiving end; the actual amount received is whatever each provider's page shows at the time.

This tool is a pure front-end estimator; it does not connect to the internet or collect data. Exchange rates and fees are whatever each provider's page shows at the time. Updated 2026-07-02.