Money transfer true-cost calculator
Put in your own numbers and see the arithmetic laid out line by line, in dollars.
- Transfer fee$4.99
- Hidden in the exchange rate$10.70
- Total as a share of what you send3.14%
- Recipient gets (in their currency)8,959.68
- At the mid-market rate with no fee9,250
Assumes the fee is taken from the amount you send. Some providers add it on top instead; then subtract nothing and add the fee to what you pay.
US prices read 29 October 2026. Default: an illustrative $500 transfer (example numbers, not a quote).
How it works
The calculator uses only figures each provider publishes. Where a fee is not published, the row says so and the figure leaves it out, which is why such a row ranks after every fully priced one. Introductory discounts are ignored because they end; tax is excluded because it depends on you.
This is a planning tool: it works on the numbers you enter and does not rank providers. The comparisons explain how their lists are ordered, and the full method is on how we rank.
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The fee is only part of what a transfer costs. Here is how to measure the margin hidden in the exchange rate, with worked examples and a check that works from any quote.
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Three US money transfer services compared on how they price a transfer and what they disclose, with a calculator for the true cost of any quote.