Finance & Tax

Nepal Remittance Calculator

नेपाल रेमिट्यान्स क्याल्कुलेटर

Work out how many rupees arrive in Nepal after the exchange rate and transfer fee, with the effective rate.

Calculate how much NPR arrives in Nepal after the remittance fee. Enter the amount, provider rate and fee to see the effective rate and the true cost of sending.

Finance & TaxFree · No sign-up
The rate is pre-filled with the NRB buy reference for 22 October 2026. Use the exact rate shown by your remittance provider.
Recipient gets—
Amount sent
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Gross NPR value
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Total fees
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Fee as NPR cost
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Total sender cost
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Effective exchange rate
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Recipient receives
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Free to use · Works in your browserQuestions & sources

About the Nepal remittance calculator

When money is sent to Nepal, the advertised exchange rate is only part of the story. The sender also pays a transfer fee, and some providers give a rate that is worse than the mid-market rate. This calculator shows the NPR a family receives after the fee, the effective exchange rate and the total cost of sending the money, so two providers can be compared fairly.

How the calculation works

Enter the amount in the sending currency, the provider's exchange rate, the transfer fee and who pays the fee. If the sender pays the fee upfront, the full amount is converted and the fee is added to the sender?s cost. If the fee is deducted from the transfer, it is taken out before conversion. The result shows the NPR received and the effective rate: the NPR received divided by the total amount the sender spent.

Why the effective rate matters

A provider may advertise a high rate but charge a large fee, or offer zero fees but a poor rate. Comparing headline rates alone can be misleading. The effective rate captures both. The tool also shows the total cost to the sender, which makes it easier to compare a low-fee, poor-rate provider with a higher-fee, better-rate one.

Supported sending currencies

The calculator supports USD, EUR, GBP, AUD and CAD, the currencies most commonly used for remittances to Nepal. You can type any rate and fee, so the tool also works for other currencies if you enter the rate manually. The NPR amount is rounded to the nearest rupee.

What is not included

It does not include receiving-bank charges, mobile-wallet withdrawal fees, taxes or limits set by the sending country. Some providers also offer a first-transfer bonus or a promotional rate. Confirm the final amount in the provider's app before sending, because rates move throughout the day.

Frequently asked questions

How much does it cost to send remittance to Nepal?
The cost has two parts: the transfer fee and the gap between the provider rate and the mid-market rate. A typical transfer may cost a few dollars in fees plus 1% to 3% in rate margin. The calculator combines both into an effective rate.
What is the effective exchange rate?
It is the NPR received divided by the total amount the sender spent, including the fee. It lets you compare a low-fee, poor-rate provider with a higher-fee, better-rate provider on one number.
Who pays the transfer fee?
Some providers charge the sender upfront; others deduct the fee from the amount being sent. The calculator lets you choose either method because the NPR received can differ.
Which currencies are supported?
USD, EUR, GBP, AUD and CAD are built in with NRB reference rates. You can enter a manual rate for any other currency.
Is the NRB reference rate the same as the rate I get?
No. NRB publishes a reference rate. Remittance companies, banks and apps add their own margin and fees, so the rate you receive is usually lower.
Are receiving-bank charges included?
No. The estimate stops at the NPR amount credited by the remittance provider. Your bank or wallet may charge a separate withdrawal or service fee.

Sources & further reading

  1. Nepal Rastra Bank - foreign exchange ratesnrb.org.np
  2. Nepal Rastra Bank - remittance informationnrb.org.np