HisabCalc › remittance

Remittance Timing Calculator

See whether waiting for a better rate gains more than sending today.

Enter your numbers

Amount

Example: 1000

Current rate

Example: 120

Expected rate

Example: 123

Fee (%)

Example: 1.5

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

Formula

ধাপ ১: এখন প্রাপ্ত = amount × currentRate × (১ − feePercent ÷ ১০০)। ধাপ ২: পরে প্রাপ্ত = amount × expectedRate × (১ − feePercent ÷ ১০০)। ধাপ ৩: লাভ = পরে প্রাপ্ত − এখন প্রাপ্ত।

How the calculation works

The amount received now uses today's rate after the fee, and the amount later uses the expected rate after the same fee.

The gain is the later payout minus the now payout, so a positive figure means waiting pays.

A negative gain means the expected rate is lower, so sending now is better.

Common mistakes

Treating the expected rate as certain: exchange rates can move the other way.
Ignoring that the fee may change, or that a fixed fee costs more the longer you wait.

When to use it

Use it to weigh sending money now against waiting for a better rate.
It is not a forecast; the expected rate is your own guess.

Worked example

Sending 1000 now at 120 gives 118200, but waiting for 123 gives 121155, a gain of 2955 taka.

Receive now 118,200.00

Receive later 121,155.00

Gain 2,955

Common questions

What if the rate falls?

The gain turns negative, meaning sending now would have been better.

Is the future rate guaranteed?

No, it is your own expectation, so treat the result as a scenario.

Last updated: 2026-10-04