Use this free send money to Pakistan calculator (remittance calculator) to see exactly how many rupees your family will receive, using live exchange rates, your provider's rate and any transfer fee.
Live rates · 11 currencies to PKRSend Money to Pakistan Calculator
Mid-market rates by Exchange Rate API, updated daily. However, your provider's rate may differ.
Our free send money to Pakistan calculator shows how many rupees your family will receive before you make a transfer. First, choose your currency and enter the amount. Then add your provider's exchange rate and any fee. As a result, you see the PKR received, the total cost and how much the rate margin is costing you.
How the Send Money to Pakistan Calculator Works
The amount your family receives depends on two things, namely the exchange rate your provider gives you and any fee you pay. For this reason, the calculator loads the live mid-market rate, so you can compare it with your provider's rate.
In other words, how many rupees you get for each unit of your currency.
Also, a fixed charge that some providers add on top of the amount.
Finally, the hidden gap between your rate and the mid-market rate.
The formula
PKR received = Amount sent × Exchange rate
Why the Exchange Rate Matters More Than the Fee
A small difference in the rate can cost more than a fee. For example, the table below uses an illustrative mid-market rate of 1 AED = 75.00 PKR for a transfer of AED 1,000. Even a 1% margin means your family gets PKR 750 less.
| Rate margin | Rate you get | Family receives (PKR) | Hidden cost (PKR) |
|---|---|---|---|
| 0% | 75.00 | 75,000 | 0 |
| 0.5% | 74.62 | 74,625 | 375 |
| 1% | 74.25 | 74,250 | 750 |
| 2% | 73.50 | 73,500 | 1,500 |
| 3% | 72.75 | 72,750 | 2,250 |
Illustrative rates only. Instead, use the calculator for today's live rate.
Send Money to Pakistan Calculator Examples
Here are three common transfers. In each case, the rates are examples only.
Sends AED 2,000 at a rate of 74.60. Because his provider charges no fee, he pays only the amount sent.
- Amount AED 2,000
- Rate 74.60
- 2,000 × 74.60 PKR 149,200
Sends GBP 500 at a rate of 362.00. In addition, she pays a GBP 1.99 fee on top.
- 500 × 362.00 PKR 181,000
- Fee GBP 1.99
- Total paid GBP 501.99
His family needs PKR 100,000, and his provider offers 1 SAR = 73.50 PKR. So he divides the amount by the rate.
- Needed PKR 100,000
- ÷ 73.50 SAR 1,360.54
- Fee SAR 0
Free Ways to Send Money to Pakistan
- Free of charge: the State Bank of Pakistan has told banks and exchange companies to keep eligible home remittances free for both senders and receivers.
- Reimbursement scheme ended: the government scheme that paid banks for these transfers ended on 1 July 2026. As a result, banks now cover the cost themselves, so check your provider's current fee policy.
- Use official channels: hundi and hawala are illegal. In contrast, banks, exchange companies and licensed apps keep your money safe and on record.
- Rewards for senders: in addition, the Sohni Dharti Remittance Program from the Pakistan Remittance Initiative gives points for remittances sent through official channels.
Get More Rupees With the Send Money to Pakistan Calculator
- Compare the PKR received, not just the fee: after all, a "zero fee" offer with a poor rate can cost more than a small fee with a better rate.
- Check the rate margin: for instance, use this calculator to see how far your provider's rate is from the mid-market rate.
- Send larger amounts less often: when your provider charges a fixed fee, fewer transfers mean lower total fees.
- Watch your payment method: for example, paying by credit card can add extra charges. Instead, a bank transfer or debit card is usually cheaper.
How to Use the Send Money to Pakistan Calculator
- First, choose whether you want to know the PKR received or the amount to send.
- Next, select your sending currency.
- Then enter the amount.
- After that, replace the live rate with your provider's rate and add any fee.
- Finally, press Calculate to see the result and the hidden cost of the rate.
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Send Money to Pakistan Calculator FAQs
How do I calculate how many rupees my family will receive?
First, find the exchange rate your provider offers. Then multiply the amount you send by that rate. For example, AED 1,000 at a rate of 75.00 gives PKR 75,000.
What is the mid-market exchange rate?
It is the midpoint between the buying and selling rates on global currency markets. However, banks and transfer companies usually give you a lower rate, and they keep the difference as a margin.
Is it free to send money to Pakistan?
The State Bank of Pakistan has told banks and exchange companies to keep eligible home remittances free for senders and receivers. Even so, your provider abroad may still charge a fee, so always check before you send.
Is there tax on remittances received in Pakistan?
Foreign remittances received through official banking channels are generally not taxed as income in Pakistan. In addition, your bank records can help prove the source of funds, so keep them safe.
Why is my provider's rate lower than the rate on this page?
This page shows the mid-market rate. In contrast, providers add a margin to it, which is often their main source of profit. As a result, the rate you are offered is usually a little lower.
What is the best way to send money to Pakistan?
Use a licensed bank, exchange company or money transfer app that sends through official channels. Also, compare the PKR amount your family will receive after the rate and fees, because a low fee can hide a poor rate.
Disclaimer: This calculator gives an estimate for general information only. Exchange rates change throughout the day. Moreover, the rate and fees you get depend on your provider, so always confirm the final amount before sending.