Download Time Calculator

Transferring money — within Pakistan or from overseas — involves fees, exchange rates and delivery times that vary by channel. This Download Time Calculator estimates the total cost of a transfer so you compare options on real numbers.

The calculation adds the transfer fee and the exchange-rate margin to the amount being sent, showing the amount the recipient actually receives.

For remittances to Pakistan, the channel matters: Roshan Digital Accounts and licensed exchange companies often beat banks on rate, and the SBP encourages formal channels with incentives. This calculator reveals the real difference between offers.

Always compare the 'amount received' rather than the headline fee — a channel with no fee but a poor rate can cost more than one with a visible fee and a good rate. This tool shows both sides.