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Remittances / Calculator 4 of 10
International transfers
Model PayPal / Xoom, GCash and bKash transfers with your quoted fees.
Your inputs
Sample assumptions, not PayPal pricing. Enter your quoted percentage and fixed fees. Provider selection does not change assumptions.
Example: PayPal vs Xoom to the Philippines
Illustrative quotes supplied for this comparison: PayPal costs $25 + about $2.22 in surcharge/funding fees ($27.22 total), while Xoom costs $25. The rates below are effective gross yields, not live FX quotes.
Baseline: Xoom sender pays $25 and delivers ₱1,442.50 (₱57.70 gross per dollar; ₱1,427.50 after the example ₱15 bank transfer fee, or ₱57.10 per dollar). PayPal sender pays $27.22 and delivers ₱1,526.33 to the wallet (₱56.07 gross per dollar; ₱1,476.33 after an example ₱50 withdrawal fee, before any bank inward fee, or about ₱1,511.07 after 1% GCash cash-out). Domestic personal PayPal-to-PayPal transfers may be free; commercial and cross-border fees differ. Confirm provider quotes and local fees before sending.
Manual rate · enter a quote or fetch a reference rate. Reference rates are not executable transfer quotes. Rate source
Recipient receives
1,000 PHP
Cash-out fees
0 PHP
Converted before cash-out
1,000 PHP
Net per sender-currency unit
1 PHP / sender unit
Save individual results with +. Values retain their labels; verify units before reuse.
Behind the result
((Send budget − transfer fee) × quoted rate) × (1 − wallet fee%) − local cash-out fee
Availability, limits, fees and FX depend on your route. Check PayPal fees, Xoom quotes, GCash or bKash. Wallet selection is a planning label and does not guarantee provider support.
A workflow that adds up.
Calculate a rate → save it → build a project quote → estimate payment fees → add the final number to an invoice. Your worksheet and shared shelf keep the numbers within reach. Saved locally in this browser; use exports for a portable copy.
International transfers calculator guide
Model PayPal / Xoom, GCash and bKash transfers with your quoted fees.
Formula: ((Send budget − transfer fee) × quoted rate) × (1 − wallet fee%) − local cash-out fee
Frequently asked questions
What does the international transfers calculator do?
Model PayPal / Xoom, GCash and bKash transfers with your quoted fees.
How does this calculator work?
It uses this formula: ((Send budget − transfer fee) × quoted rate) × (1 − wallet fee%) − local cash-out fee. You can change the inputs to compare scenarios.
Does this calculator fetch live exchange rates?
No. Enter the rate currently quoted by your bank, transfer service, or wallet. Actual conversion rates and fees can change before a transfer.