Add fee, rate, funding, and delivery details
Total paidAdd total
Recipient receivesAdd recipient amount
Effective all-in rateAdd both totals
Estimated all-in cost vs marketAdd market rate and totalsEstimated
Remittance Quote Worksheet
Copy two provider disclosures side by side to compare total paid, amount delivered, effective exchange rate, funding method, and delivery time.
How to use this worksheet
Open the same transfer in two providers
Stop before payment. Copy the total you would pay and the amount the recipient would receive from each pre-payment disclosure. Those provider-stated numbers drive the comparison; the market rate adds context.
See the CFPB disclosure example →Step 1
Set one transfer amount
Step 2
Copy both provider disclosures
The first two fields are the essentials. Add fee, rate, funding, and delivery details to explain why the quotes differ.
Add fee, rate, funding, and delivery details
Total paidAdd total
Recipient receivesAdd recipient amount
Effective all-in rateAdd both totals
Estimated all-in cost vs marketAdd market rate and totalsEstimated
Step 3
Compare the trade-offs
Enter “Total you pay” and “Recipient receives” for both quotes to see a direct comparison.
Provider-stated totals are the comparison facts. Market-reference gaps are estimates and can move with timing, promotions, receiving-side fees, or taxes.
Compare the numbers providers already disclose
U.S. remittance providers generally show a pre-payment disclosure before you complete a transfer. It includes the transfer amount, fees and taxes collected by the provider, the exchange rate, the total you pay, and the expected amount delivered abroad.
Open the same transfer amount with two providers and copy those fields into the worksheet. The direct comparison uses the provider-stated total paid and total to recipient. The market reference helps estimate how much of the difference comes from fees and the exchange-rate spread.
Start with two essential fields
- Total you pay, including fees and provider-collected taxes
- Total to recipient, in the currency your family receives
Those two numbers answer the immediate question: how much leaves your account, and how much arrives for your family? Add the fee, exchange rate, funding method, delivery method, and estimated arrival time when you want to understand the trade-offs.
How the market-reference estimate works
The effective all-in rate divides the recipient amount by the total you pay. The estimated market gap compares the recipient amount with the value of those dollars at the displayed market reference. Timing, promotions, foreign taxes, and receiving-side fees can move the estimate, so the provider-stated totals remain the primary comparison.
Funding method and the 2026 federal tax
Beginning January 1, 2026, a 1 percent federal excise tax applies to qualifying transfers funded with cash, money orders, cashier's checks, traveler's checks, and similar physical instruments. Bank-account, debit-card, credit-card, and general-use prepaid-card funding are generally outside that physical-instrument tax. Copy the tax collected on the provider disclosure so the worksheet does not add it twice.
Carry the decision into your household budget
Once you choose a transfer path, add the recurring amount to the Family Support Budget Calculator. For deeper context, read How to Compare Remittance Fees Before You Send and Federal Remittance Tax Awareness for U.S. Senders.