How This Calculator Works & Financial Methodology
International freelancers and software agencies lose between 1.5% and 8.5% of every client invoice to layered deductions: marketplace commissions, fixed USD receiving fees, hidden 2%–4% FX conversion spreads below interbank rates, and local export withholding taxes (such as 0.25% PSEB vs. 1% standard IT export tax). This tool ranks all 7 payout rails side-by-side.
Net Invoice-to-Pocket Realization Formula
Net Local Payout = [(Gross Invoice − Platform Fee − Fixed Wire Fee) × Interbank Rate × (1 − FX Spread %)] × (1 − Export Withholding Tax %)