Free international payment calculator

International contractor payment cost calculator

Estimate the payment friction hidden between the amount you send and the value a contractor may receive after transfer fees, FX markup, and bank deductions.

Your assumptions

Payment amount before deductions

Sender transfer fee

Estimated FX markup

Intermediary-bank deduction

Receiving-bank deduction

Estimate

Estimated FX cost$40.00

Total payment friction$65.00

Estimated value delivered$1,950.00

Effective payment friction3.3%

Sender cash outlay$2,015.00

This is an illustrative cost model, not a live FX quote. Exchange rates, spreads, correspondent-bank deductions, taxes, and provider fees vary by route and provider.

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How to interpret the estimate

International payment cost is more than the visible transfer fee. FX markup and intermediary or receiving-bank deductions can materially change the effective cost and the value delivered to the contractor.

Methodology

FX cost = payment amount × estimated FX markup percentage.
Estimated value delivered subtracts FX cost and bank deductions from the entered payment amount.
Total payment friction adds the sender transfer fee to estimated FX and bank deductions.
This model is intentionally transparent so you can replace every assumption with your provider or bank quote.

Useful for

Compare a quoted transfer fee with the total delivered-cost estimate.
Model destination-bank deductions before paying an overseas contractor.
Compare payment rails using the same payment amount.

Related resources

International contractor payment software →Cost of paying a contractor overseas →W-8BEN vs. W-9 →

Estimate

Estimated FX cost$40.00

Total payment friction$65.00

Estimated value delivered$1,950.00

Effective payment friction3.3%

Sender cash outlay$2,015.00

This is an illustrative cost model, not a live FX quote. Exchange rates, spreads, correspondent-bank deductions, taxes, and provider fees vary by route and provider.

Methodology

FX cost = payment amount × estimated FX markup percentage.

Estimated value delivered subtracts FX cost and bank deductions from the entered payment amount.

Total payment friction adds the sender transfer fee to estimated FX and bank deductions.

This model is intentionally transparent so you can replace every assumption with your provider or bank quote.