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Housing, Cars & Remittances

True-Cost Remittance & TCS Fee Estimator

See the real cost of an India–US transfer: flat fees, hidden exchange-rate margin, and India's TCS on outward remittances — and the net amount that actually arrives.

Your details

What actually arrives

Net amount received

₹8,52,693

Effective exchange rate₹85.31 / $1
Cost breakdown
Flat transfer fee$5
Exchange-rate margin loss$80
US 1% remittance fee$0

Total cost of this transfer

$85

Most bank, card, and ACH transfers avoid the US 1% fee. The biggest real cost is usually the exchange-rate margin — compare providers on the spread, not just the flat fee.

Estimate only. TCS assumes this is your transfer above the ₹7 lakh annual threshold for the chosen purpose; rules and the US remittance fee change. Verify current rates with your provider and a tax professional.

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Educational estimate only. This calculator provides general estimates and is not financial, tax, legal, or immigration advice. Rules change and vary by state, visa status, and individual circumstance. Consult a qualified professional before acting. See our full disclaimer.