PAYMENT-FEE & FX CALCULATOR
Compare payment and FX quotes using your own exchange rates and fees. Calculate the amount received or work backwards to the amount you need to invoice.
THE CLEARER PICTURE
Enter your details or try the example to see how it works.
A LITTLE CONTEXT GOES A LONG WAY
The exchange rate is destination currency per one source currency: for USD to EUR, a rate of 0.90 means one dollar converts to 0.90 euros. Enter the percentage fee, fixed source-currency fee and destination-currency fee for each quote. No live rates or provider fees are fetched.
Source fees = gross source amount × percentage fee + fixed source fee. The percentage fee rounds to the source currency’s smallest unit. The remainder is converted at your rate and rounded to the destination currency’s smallest unit, then the destination fee is deducted. For example, USD 1,000 less a 1% fee and USD 5 leaves USD 985. At 0.90 EUR per USD, this becomes EUR 886.50 before any destination fee.
In Amount received mode, both quotes start with the same source amount. In Target receipt mode, the calculator finds the smallest source amount that meets the requested destination receipt under each quote’s entered rules. Providers may apply fees in a different order or use different rounding, so enter a comparable quote and check its terms. Unentered intermediary fees, taxes and rate changes are outside this calculation.
Created by Ostro. Read our editorial standards or report a correction. The guide above explains the method, assumptions and examples.
GOOD TO KNOW
You enter the rates and fees for each option. The calculator applies them to your transfer amount and compares the estimated amount received.
No. A fee charged on the gross source amount requires a larger adjustment. The tool searches in source-currency minor units for the minimum amount that reaches the requested receipt after the entered fees and rounding.
No. Your entries stay in this open page and reset when you refresh or leave. There is no account, autosave or cloud storage. Download or copy what you need before closing the page.
