1 USD = 7.20 CNY (the real mid-market rate, before any markup)
Load a provider profile
Fees taken from your payment
%
$
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How much worse than the mid-market rate the provider’s rate is.
%
$
Withdrawal fees are charged in your payout currency, after conversion.
Lands in your account
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You’re paid
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Total fees
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Effective rate
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Take-home
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Enter the amount and your fees to see what actually lands in your account.
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Your loss breakdown — fee by fee — will appear here.
See what each platform would pay out for the amount you entered. Tap any provider to load its typical fees and fine-tune them.
Provider comparison
These profiles use rough, editable estimates of each platform’s fees and exchange-rate markup. Real fees depend on your account, country, payment method and the amount, so check your provider’s current rates and adjust the numbers to match.
No saved scenarios
Saved scenarios live only on this device. Nothing is uploaded and no login is needed. They may be lost if you switch devices or clear your browser data, so export a backup if they matter.
When you get paid from abroad, the headline amount isn’t what reaches your bank. A few deductions stack up along the way — this tool follows that path and shows the take-home at the end.
Where your money goes
1
You’re paid the gross amount in the sending currency.
2
Processing fee — a percentage plus any fixed fee is taken first.
3
Currency conversion — the rest is converted, usually at a rate a little worse than mid-market (the markup).
4
Withdrawal fee — a final fee to move it to your bank.
5
Take-home — what actually lands in your account.
FAQ
It’s the gap between the real mid-market rate and the rate your provider actually gives you. A 2% markup on a 7.20 rate means you’re converted at about 7.06. The tool shows this as a separate loss so you can see its true cost.
It’s the “real” rate you’d see on a search engine or a currency tracker, with no markup added. Enter that here, then set the markup to match what your provider charges.
It compares your take-home against the ideal: converting the full amount at the mid-market rate with no fees. The difference, split into processing, FX markup and withdrawal, is your total loss.
No. They’re rough starting points you can edit. Each platform’s real fees vary by country, account type and payment method, so always confirm with your provider.
Yes. Turn off “Convert to another currency” and the calculator skips conversion — you’ll just see processing and withdrawal fees.
Yes. Everything stays on this device only. Nothing is uploaded, and there’s no sign-up or login.
Privacy
All calculations happen on your device
No sign-up and no login
What you enter is never uploaded to a server
Saved scenarios are kept only in this browser
Payout Calculator is an independent estimating tool for fees and currency conversion. It doesn’t move money or connect to any payment provider, and isn’t affiliated with Payoneer, PayPal, Wise, any bank or any app store.