Free tools
What your transfer actually delivers
Three calculators for remittances: the real cost, the frequency break-even and the buffer a volatile currency needs.
Three calculators for cross-border money
Remittances
Remittance Cost Calculator
Recipient amount, total cost and effective percentage versus the mid-market rate.
Open tool →Transfer Frequency Calculator
Compare your current schedule with one monthly transfer and the annual saving.
Open tool →Currency Buffer Calculator
Size a local-currency buffer for an adverse exchange-rate move.
Open tool →What it will do
This site compares the amount a recipient actually receives with what the same money would buy at the mid-market rate, then shows how much of the cost is fixed, how much is the FX margin, and how a currency buffer protects a budget.
- Amount sent, transfer fee and receiving-bank fee
- The rate offered by the provider and an independent mid-market rate
- How often you transfer and how much local currency you need
Why the answer is not obvious
A low headline fee can hide a bad exchange rate. The number that matters is the amount that lands in the recipient's account compared with the mid-market value of the same money. Once that gap is measured, frequency and buffering decisions become arithmetic instead of guesswork.
Who it is for
People supporting family abroad, paying tuition or living costs across borders, and anyone comparing a bank transfer with a specialist remittance service.
Frequently asked questions
What is the mid-market rate?
It is the midpoint between buy and sell prices on the wholesale market, the rate you see on independent currency sites. Providers buy currency wholesale and add a margin before offering it to you, so the offered rate is usually worse.
Is a zero-fee transfer really free?
No. The provider can recover the cost through the exchange-rate margin or a receiving-side fee. Compare the amount received, not the fee line.
How often should I transfer?
Fixed fees reward fewer, larger transfers; percentage fees do not care. The break-even depends on the fixed fee, the percentage fee and the amount you send.
Why keep a currency buffer?
Because the rate moves between the day you plan and the day you spend. A buffer means the same local bills are still covered after an adverse move.