Free tool · Sending money from the United States
Money transfer calculator: how much does your family really receive?
Sending money to Honduras, Mexico, Guatemala or elsewhere in Latin America? Compare the total price you pay and the net amount your family receives, without signing up or sharing personal details.
Leer en español →Remittance calculator · no fabricated quotes
Which quote delivers more to your family?
Compare two genuine quotes you get from providers. This calculator does not fetch live prices or save what you enter.
1. Where are you sending?
Recipient currency: HNL. Make sure this is the currency your recipient will get. Don't compare amounts in different currencies.
2. Enter two quotes from about the same time
3. See the actual difference
Enter the total USD paid and net amount received for at least two quotes to see the result.
How much would I pay for my family to receive a certain amount?
Open this optional planning estimate if needed. It is not a provider quote: rates and fees can change with the amount.
Mathematical estimate only, not an offer or final price. Request a new provider quote for the target amount; fees, rates, promotions and limits can change.
Important: A $0 transfer fee does not guarantee the cheapest option. Exchange rates and net money delivered also matter. Only the provider confirms final pricing.
Your amounts are calculated in this browser only. We don't send them to a server or store them on your device.
How do I get quotes I can fairly compare?
Visit two or three legitimate money transfer providers and select the same destination, total budget, payment method and delivery method. Copy the total USD paid and net amount your recipient would get. Check whether any first-transfer promotion actually applies to you, and compare the standard quote too.
Cash pickup, card payment and bank deposits may have different prices. This calculator does not pick a universal cheapest provider or fetch external rate feeds.
Before you send
Is a $0 transfer fee always the better deal?
No. A provider may offer a less favorable exchange rate or additional delivery charges. Compare how much the recipient actually receives for the same total payment.
Does this display live Remitly, Western Union or MoneyGram rates?
No. All calculations come from the figures you enter. Never rely on this tool as a provider's confirmed transfer price.
What if the transfer doesn't arrive?
Keep the receipt and tracking number, contact your provider and review the CFPB's international transfer rights. We do not handle transfers or individual cases.
Independent educational tool. Tu Guía Latina USA does not move money, exchange currency or guarantee rates, fees or delivery. No personal Remitly referral link is included.
Read the beginner's Honduras transfer guide →