Between your invoice and your bank account, there's a platform cut, a processing fee, an FX spread, a transfer charge, and sometimes a second conversion you didn't even know about. Freelancers report losing 15–25% of international income to fees they can't see. PayPal alone can take 8% before your money moves. We're building the tool that shows you exactly where every dollar goes and which payment method saves you the most.
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HOW IT WORKS
Amount, currency, client country, and how you get paid; Wise, PayPal, Payoneer, bank wire, or platform payout. Takes ten seconds.
Platform fee, processing fee, FX spread, intermediary bank charge, conversion cost, withdrawal fee. Laid out in a single waterfall from invoice to take-home. The number your payment app doesn't show you.
We show you which payment method nets you the most for each client. Switch one US client from PayPal to Wise and you might save $400 a year. Multiply that across all your clients.
THE INVISIBLE COST OF GETTING PAID
PayPal charges 4.4% on international transactions. Then adds 2–4% on the currency conversion. That's 6.5–8.5% of every invoice gone before your money even moves. The advertised fee is less than half the real cost.
Platform cut, processing fee, FX spread, intermediary bank charge, withdrawal fee, settlement timing loss. Freelancers on Reddit report the full chain costs 15–25% on international work. Most never calculate the total.
3% per invoice doesn't sound like much. Over a year of earning $60K, that's $1,800 gone. With PayPal-heavy flows, it can be $4,000–$9,000. Every year. That's a flight home, a new laptop, or three months of coworking. Lost to fees you never calculated.
59% of freelancers prefer PayPal because clients recognise it. Not because it's cheapest, it's usually the most expensive option by far. You've never compared because nobody showed you the numbers side by side.
WHAT THE TOOL DOES
Input any invoice. See what you actually receive after every deduction; platform cut, processing fee, FX spread, transfer cost, bank charges. The number your payment app doesn't show you. Free. Instant. No signup required.
PayPal, Wise, Payoneer, Revolut, bank wire, which one nets you the most for this specific client? We compare the total cost of each route and show you the cheapest path to your bank account. Most freelancers have never done this comparison.
You invoiced $60K last year. How much actually arrived? We total every fee, every spread, every deduction across all your clients and currencies, and show you the real number. Most freelancers have never calculated this. Most are shocked when they do.
Your income isn't a salary. It's projects, retainers, and one-offs across currencies and timelines. We forecast your cash flow based on your actual payment patterns, so you can see what next month looks like before it arrives.
Earning in USD, billing from the UK, living in Portugal? Tax residency, withholding, VAT, double-taxation treaties, the rules depend on where you live, where clients are, and where you work. We give you a first-pass estimate so the year-end bill isn't a surprise.
Income from Upwork lands in Payoneer. Direct clients pay via Wise. One client insists on PayPal. Your bank shows a number that doesn't match any of them. We reconcile across platforms and currencies into one clear view of what you earned and what you kept.
You get paid from clients in three currencies via two different platforms. The money arrives but it's always less than the invoice. You've never calculated the total gap. Freelancers on Reddit report losing 15–25% of international income. You suspect you're in that range.
It's convenient. It's familiar. It's also taking 4.5% plus another 2–4% on the exchange rate. On a $5,000 invoice, that's $325–$425 gone. Wise might cost you $50 for the same transfer. But you've never compared because nobody showed you the numbers side by side.
You built a tracker. It had formulas for conversion rates, columns for platform fees, a tab for each client. Then you forgot to log three payments, used the wrong date's rate, and now the numbers don't add up. You want something that just works.
The invisible cost of getting paid across borders
Cross-border freelancing grew 41% between 2020 and 2025. 32% of freelancers expanded to new countries last year. The market is booming but payment platforms are quietly taking 2–25% of every invoice through fees, FX spreads, and conversion costs most freelancers never calculate. Wise shows you the cost per transfer. Payoneer fragments it across pages. PayPal buries it in the exchange rate. Nobody shows you the total annual number. We will.
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