Business Payment Calculators
Forty focused calculators for cross-border business finance — transfer costs, SWIFT fees, FX margins and hedging, landed costs, procurement, settlement timing, payroll, treasury, liquidity and stablecoin settlement. Every input is editable, every assumption is disclosed, and every result links to the corridor and guide pages that explain it.
Looking for interactive tools with live data? Visit the Tools hub.
Coverage figures computed from the KeyBS Pay corridor dataset · availability is route-dependent and confirmed per quote
Payment Costs
Model the full cost of moving business money across borders — wires, SWIFT legs and processing fees.
International Transfer Cost Calculator
Estimate the all-in cost of an international business transfer — flat fees, percentage fees and the FX margin most senders never see.
Open calculatorSWIFT Fee Calculator
Model sender, correspondent and beneficiary bank charges on a SWIFT wire — including the deductions that happen mid-route.
Open calculatorInternational Wire Fee Calculator
Add up wire fees, intermediary deductions, receiving charges and the exchange-rate margin on a single international wire.
Open calculatorPayment Processing Fee Calculator
Estimate monthly card and payment processing costs from your volume, transaction count and blended rate.
Open calculatorWithholding Tax Calculator
Net treatment versus gross-up on a cross-border service invoice — and why making a supplier whole against 10% WHT costs 11.1%.
Open calculatorForeign Exchange
Measure FX margins, compare conversion outcomes and quantify what rate spreads cost your business.
FX Margin Calculator
Reveal the hidden margin between the wholesale reference rate and the rate you were offered — in percent and in money.
Open calculatorExchange Rate Calculator
Convert any amount at your quoted rate, net of fees, and see exactly what arrives on the other side.
Open calculatorMulti-Currency Conversion Calculator
Convert one amount into three target currencies side by side — useful for pricing, quoting and treasury planning.
Open calculatorFX Savings Calculator
Compare your current FX margin against an alternative margin across a year of transfers — the difference is usually bigger than the wire fees.
Open calculatorTrade & Import Costs
Estimate landed cost, duties, levies and supplier payment structures before you commit to an order.
Landed Cost Calculator
From factory invoice to warehouse shelf: CIF value, duty, VAT and fees rolled into a total landed cost and true per-unit cost.
Open calculatorImport Cost Calculator
Quick import budgeting: goods, shipping, duty, levies, clearing and inland transport in one total.
Open calculatorSupplier Payment Calculator
Structure a deposit-and-balance supplier payment and see the full cost of both legs, fees and FX included.
Open calculatorCustoms & Duties Estimator
Estimate duty, VAT and statutory levies on a CIF value — the taxes that decide whether an import is profitable.
Open calculatorTrade Finance Cost Calculator
Price a facility drawdown all-in — interest, arrangement fee, fixed charges — and see the effective annualised rate fees hide.
Open calculatorTrade Agreement Duty Comparison
MFN rate versus preferential rate on your shipment, VAT knock-on included — and whether the certificate of origin pays for itself.
Open calculatorGlobal Payroll
Budget cross-border payroll and contractor payouts with fees and FX modelled per payment.
Global Payroll Cost Calculator
Budget an international team: gross salaries, employer costs, payout fees and FX — monthly and annualised.
Open calculatorContractor Payment Calculator
See what each contractor payment really costs and what the contractor nets after fees and FX — per payment and per year.
Open calculatorTreasury
Quantify conversion costs, working capital and treasury workflows across currencies.
Treasury Savings Calculator
Model your annual FX conversion spend under your current margin versus an alternative — plus the wire fees stacked on top.
Open calculatorStablecoin vs Bank Transfer Calculator
A side-by-side cost model: traditional wire fees plus FX margin versus stablecoin on-ramp, network and off-ramp costs.
Open calculatorWorking Capital Calculator
Working capital, current ratio and cash conversion cycle from five inputs — the numbers import finance decisions hang on.
Open calculatorFX Budget Rate Variance Calculator
Measure realised FX cost against the rate your plan assumed — the margin gap that otherwise surfaces only at year-end.
Open calculatorStablecoin Settlement
Compare stablecoin settlement economics against traditional bank rails, end to end.
USDC Transfer Cost Calculator
The full round trip of a USDC transfer: on-ramp, network fee, spread and off-ramp — and what actually lands as fiat.
Open calculatorFiat vs Stablecoin Cost Calculator
Two payment routes, one invoice: total fiat-rail cost versus total stablecoin-rail cost for the same business payment.
Open calculatorCross-Border Payment Comparison Calculator
Compare three providers on one payment: enter each fee structure and see the landed amount, ranked.
Open calculatorFX Hedging & Risk
Size currency exposure, sanity-check forward rates and price the hedge-or-open decision on real invoices.
Forward Rate Calculator
Derive the parity-implied forward rate from spot and the two interest rates — and see how much margin a forward quote carries.
Open calculatorFX Exposure Calculator
Net payables against receivables, subtract hedges, and see what an adverse rate move does to the open position.
Open calculatorHedge vs No-Hedge Calculator
Price both branches of the hedging decision: the certain cost of a forward against the best-to-worst range of staying open.
Open calculatorCurrency Depreciation Impact Calculator
Translate a depreciation scenario into the extra annual cost of your foreign-priced spend — including the denominator effect budgets miss.
Open calculatorSettlement Timing
Estimate settlement itineraries, plan initiation dates and price what slow routes cost in delay and rate drift.
Settlement Time Estimator
Build a payment’s itinerary from cutoffs, correspondent hops, destination clearing and the calendar — and see where the days go.
Open calculatorCost of Payment Delay Calculator
Price a late supplier payment across both ledgers: contractual late fees and the daily operational cost of waiting.
Open calculatorValue Date Planner
Work backwards from a due date through settlement time, buffer and prep to the latest safe initiation day — and your real slack.
Open calculatorRate Drift Calculator
Size the FX position hidden in slow settlement: the band the rate can wander while your payment is in flight.
Open calculatorProcurement & Sourcing
Compare supplier quotes on a landed basis, price early-payment discounts and map the cash timeline of an order.
Supplier Quote Comparison Calculator
Compare two supplier quotes on a landed basis — unit price, freight and duty — instead of the unit-price line that lies.
Open calculatorEarly Payment Discount Calculator
Annualise a 2/10-net-30 style discount, net it against your cost of funds, and see whether the discount is the best yield you own.
Open calculatorPurchase Order Cash Flow Calculator
Map one order’s cash timeline — deposit, balance, transit and sell-through — and price the weeks your cash is trapped.
Open calculatorFOB vs CIF Calculator
Unbundle the supplier’s freight: FOB plus your own freight and insurance against the CIF price, duty grossed on both.
Open calculatorLiquidity & Working Capital
Netting, batching, receivables and buffer sizing — the structural levers that free cash without borrowing it.
Currency Netting Calculator
Price the round trip you never needed: netting same-currency inflows against outflows saves the margin on twice the overlap.
Open calculatorPayment Batching Calculator
Consolidate ad-hoc payments into scheduled runs and see what the flat-fee line alone gives back every year.
Open calculatorDSO Improvement Calculator
Convert days of receivables improvement into cash freed and financing saved — the money your customers are currently holding.
Open calculatorLiquidity Buffer Calculator
Size the cash buffer from measured outflow volatility and the coverage your risk tolerance demands — not from feel.
Open calculatorFrequently asked questions
Are these calculators free to use?
Yes — every calculator is free, requires no signup, and runs entirely in your browser. Each one produces indicative estimates based on the assumptions you enter.
Are the results quotes?
No. All outputs are estimates from your own inputs. Actual pricing is route-dependent and disclosed on a KeyBS Pay quote — with the executable rate, fee and committed receive amount — before you approve any payment.
Which calculator should I start with?
For a single payment, start with the International Transfer Cost Calculator. To check any exchange rate, use the FX Margin Calculator. For imports, the Landed Cost Calculator builds the full customs-grade cost of a shipment.
Can I change the fee and rate assumptions?
Every input is editable — fees, margins, duty rates and amounts. Enter your own provider’s pricing or a quote you hold, and each calculator shows the assumptions it uses beneath the results.
From estimate to executable quote
Every calculator here models assumptions. A quote replaces them with a committed rate, disclosed fee and exact receive amount.
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