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Freelance payout calculator: what reaches your Indian bank

This payout calculator shows how many rupees reach your Indian bank when a client abroad pays you, after marketplace fees, receiving fees, GST on those fees and currency conversion, for PayPal, Payoneer, Wise, Infinity and Upwork withdrawals. Fees come from each provider's published pages, and the exchange rate updates daily.

USD
Where is the work coming from?
Adjust the exchange rate

Highest comparable estimate

₹94,710

through Infinity, from $1,000.00.

What may reach your bank

The reference rate is ₹95 per US dollar. Open Details for the calculation.

Infinity

₹94,710
Details

0.5% all-inclusive fee and no stated FX markup.

Custom pricing may apply above $50,000.

0.5% below the reference value.

Infinity pricing · checked 29 Sep 2026

Calculation and assumptions

Client payment
$1,000.00
Infinity fee (0.5%)
−$5.00
Amount converted
$995.00
Reference USD to INR rateUsed as a benchmark, not an account quote.
₹95.19 per $1
Estimated INR
₹94,710

PayPal

₹88,240
Details

4.4% plus $0.30 to receive USD, then a 3% currency-conversion spread.

PayPal's base exchange rate can differ from the reference rate used here.

7.3% below the reference value.

PayPal India business fees · checked 29 Sep 2026

Calculation and assumptions

Client payment
$1,000.00
Receiving fee (4.4% + $0.30)
−$44.30
Amount before conversion
$955.70
Reference-rate value₹95.19 per $1
₹90,969
Illustrative FX loss (3%)PayPal's actual base rate can differ.
−₹2,729
Estimated INR
₹88,240

Payoneer

₹91,378 to ₹94,234
Details

Published India withdrawal pricing is 1% to 4%, depending on the account and route.

Receiving fees, an annual account fee and other charges can apply before withdrawal.

Payoneer India pricing · checked 29 Sep 2026

Calculation and assumptions

Client payment
$1,000.00
Receiving feeDepends on how the client pays your Payoneer account.
Not included
Balance-to-bank cost (1% to 4%)Payoneer's published India range; your account shows the exact fee.
−$10.00 to −$40.00
Reference USD to INR rate
₹95.19 per $1
Indicative INR before receiving fees
₹91,378 to ₹94,234

Wise

₹94,427
Details

Wise's public conversion quote today (0.47%), the $2 eFIRC charge and 18% GST on the fees.

The conversion fee is Wise's public USD to INR quote for converting a balance, refreshed daily, not your account's own quote. Your Wise Business account shows the exact fee before you convert.

0.8% below the reference value.

Wise India receiving pricingWise India business help · checked 29 Sep 2026

Calculation and assumptions

Client payment
$1,000.00
Wise conversion fee (0.47%)Wise's public quote, seen 26 Oct 2026.
−$4.75
eFIRC transfer fee
−$2.00
GST (18% of those fees)
−$1.21
Amount converted
$992.04
Reference USD to INR rateWise converts at the mid-market rate, which sits close to this reference.
₹95.19 per $1
Estimated INR
₹94,427

Ria Money Transfer

About ₹95,510
Details

Sample rate: ₹95.51 per $1, shown for a $500 US debit-card payment to an Indian bank. The $1.99 sender fee was extra.

This scales a $500 public sample, not your quote. A first-transfer promotion showed a different rate. Commercial-payment eligibility is unconfirmed: ask Ria and your bank whether your invoice can use this exact route and get the required remittance record. Not included in the top estimate.

Check invoice eligibility first

Ria US to India sampleRia India partner terms · checked 28 Sep 2026

Calculation and assumptions

Amount entered
$1,000.00
Sample conversion rateObserved on a $500 US-to-India transfer, not quoted for this amount.
₹95.51 per $1
Sample sender feeNot deducted from the INR shown here.
$1.99 paid separately
Scaled INR illustrationFreelance-invoice eligibility is unconfirmed.
₹95,510

Amounts marked “About” use assumptions, not live payout quotes. Open Details to see the calculation. Nothing you type leaves your browser.

About these estimates

Rate used: European Central Bank reference rates, observed 26 Oct 2026.

Wise fee: 0.47% for converting USD to INR, from Wise's public quote seen 26 Oct 2026.

Taxes, withholding, account-specific pricing, intermediary bank charges and eligibility can change the final amount. Fiverr's bank payout uses the $3 fee and 2% conversion fee in Payoneer's published schedule for Fiverr sellers, applied to the reference rate. Ria's invoice eligibility is not confirmed. Rupee line items are rounded separately, so they may differ from the final total by ₹1.

How the number is worked out

  1. Start with what the client is paying and whether the work came directly, through Upwork or through Fiverr.
  2. Marketplace fees are taken out first. Payout fees and currency conversion are then applied to what remains.
  3. Published fees become estimates. Ranges stay ranges, and any exchange cost no provider publishes is labelled as an illustration.
  4. The reference USD to INR rate and Wise's conversion quote are refreshed daily. Nothing you enter leaves your browser.

The reasoning behind it is in the guide How to get paid by international clients in India.

Fee calculators for each route

Questions people ask

What is the cheapest way to receive money from abroad in India? It depends on the amount and how the client pays. Enter your amount above; the routes are listed from the most rupees to the least.

Where do the fees come from? From each provider's published fee pages, linked under every route with the date they were checked. Where a provider does not publish its exchange cost, the calculator says it is an illustration.

Does it include Upwork and Fiverr fees? Yes. Choose Upwork or Fiverr and the platform's fee is taken out first, then each withdrawal route is applied to what is left.

Is my data saved? No. The amounts you enter stay in your browser.

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