Exchange-Rate Markup Calculator
Measure the percentage and cash effect of a provider rate against a reference rate.
International Transfer Quote Comparison Calculator
The calculator puts up to four transfer quotes on one send-currency basis. It estimates what the recipient receives and the all-in cost created by the customer rate, upfront fee and any receiving fee you enter.
Best for a decision you can document: one transfer, comparable quote conditions and figures captured within a short time window.
Run the worksheet to rank complete quotes
The lowest advertised fee is not necessarily the lowest estimated cost.
- Results will appear here without sending your figures to FROM.you.
What the worksheet is doing
The calculator uses your timestamped reference rate as a no-fee benchmark. For each quote it converts the delivery shortfall back to the send currency and adds fees paid separately. It does not fetch live rates or endorse a provider.
Audit the complete transfer-cost formula →Unknown deduction? Do not invent it. Mark the quote for manual review and confirm the payment route.
What the transfer fee comparison calculator tells you
It is most useful when every quote uses the same send amount, currency pair, funding method, payout method and reference-rate timestamp. Unknown intermediary deductions should remain a separate uncertainty rather than being guessed.
Example: compare a fee with a weaker exchange rate
For a 1,000 transfer at a 0.8000 reference rate, the no-fee benchmark is 800 destination units. A quote at 0.7840 delivers 784 before receiving charges. The 16-unit shortfall is equivalent to 20 send-currency units at the reference rate; a separate 5 fee raises estimated cost to 25.
A second quote can charge a higher visible fee and still cost less if its customer rate delivers more. Enter complete quotes instead of ranking providers by a single advertised number.
Audit the row before accepting the winner
Recipient gets
The estimated destination-currency amount after the receiving fee entered for that quote.
Estimated all-in cost
The benchmark delivery shortfall converted back to the send currency, plus fees paid outside the sent amount.
Lowest estimated cost
A price comparison only. Confirm delivery time, protections, route and final disclosure before choosing.
What a neat ranking cannot settle
FROM.you does not fetch live rates, predict intermediary deductions or verify that a provider quote remains available. The result is only as current and complete as the inputs you supply.
A quote should also be rejected when it misses the delivery deadline, uses the wrong payout method, lacks a clear complaint route or cannot explain a possible deduction.
Questions that change a quote comparison
Should receiving fees be entered in the send currency?
No. Enter the receiving fee in destination-currency units; the calculator deducts it from the quoted recipient amount before translating the shortfall.
Can I compare card funding with bank funding?
You can, but the result is meaningful only if every funding charge is included. For the cleanest provider comparison, keep funding methods identical.
Why is the result an estimate?
Reference rates are benchmarks, quotes can expire, and intermediary or recipient-bank treatment may not be known before the payment travels.
Evidence behind the total-cost worksheet
These sources support separating the visible transaction fee from the exchange-rate margin and expected recipient amount. The worksheet applies that approach to figures supplied by the reader; it does not reproduce provider rankings.
Move from the ranking to a transfer decision
Check the complete international transfer comparison process →
Use the result within the sending money abroad decision path to check timing, route and recipient-side conditions.
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