Does this converter use live exchange rates?

Yes. The calculator uses the free Frankfurter reference-rate API in the browser, then layers platform fee assumptions, tax on fees where modeled, and FX markup or conversion fees on top.

Are these platform fees exact for every account?

Not always. Some platforms publish corridor-based, method-based, or negotiated pricing. BilFina starts from researched defaults and lets you edit fee percentage, fixed fee, tax, and FX assumptions.

What does the converter compare?

It compares what an India-based freelancer or business would receive in INR from the same foreign-currency customer payment after deductions and conversion.

International Payment Comparison

See what actually lands in INR after fees and FX

Compare foreign-currency payouts after platform fees, taxes, and FX markup.

Uses live reference rates from Frankfurter. Edit assumptions only if your account pricing differs.

Stripe pricing PayPal India fees Razorpay international Wise receive pricing Payoneer pricing

Gross amount paid by client

Payer currency

Changing the payer currency reseeds currency-linked fixed-fee defaults like PayPal and Wise SWIFT.

Optional sender region label

This only changes the explanatory copy on the page. It does not change the fee math in v1.

Payout currency

Comparison mode

Live Reference Rate

Fetching the latest reference rate and cross-currency quotes.

Best Net INR

Preparing comparison...

The calculator will rank every enabled platform once a live or cached reference rate is available.

Runner-up gap

How much more the top option leaves you with versus the next best enabled option.

Reference payout

What the gross amount would equal in INR at the reference rate before platform deductions.

Net INR Comparison

These bars show what each enabled platform leaves you with after platform fees, fee taxes where modeled, and conversion assumptions.

Detailed Breakdown

Use the table when you need to explain the result to a client, finance teammate, or co-founder. It separates platform fees, taxes on fees, and FX slippage against the live reference rate.

Platform	Net INR	Platform fees	Tax on fee	FX loss vs reference	Effective fee

How To Read It

Net INR is the final estimated payout after all modeled deductions.
Platform fees combine percentage fee, fixed fee, and any explicit conversion fee.
FX loss only measures what was lost to modeled FX markup versus the live reference rate.
Effective fee compares total loss against the clean reference payout, not only against the original foreign-currency amount.

Important Caveats

Reference rates are not guaranteed settlement quotes. Some providers use blended or negotiated rates, some publish corridor-dependent fee ranges, and some can pass through additional correspondent-bank costs. Treat this page as a practical comparison model, then edit assumptions to match your actual account terms before making a pricing decision.

Edit Fee Assumptions

Adjust platform fees, fixed charges, taxes, and FX markup only if your account pricing differs from the researched defaults.