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Remittance budget calculator

Sending money home is a budget line, not an afterthought. Set your salary and the share you send, and see both sides at today’s rate: what your family receives and what you have left to live on and save.

You sendAED 1,800
Family receivesPKR 135,657
Left for your monthAED 4,200

1 AED = 75.3653 PKR (mid-market, as of 2 November 2026). Your provider’s rate and fees will differ.

Make money sent home a budget lineBudgetByChat tracks accounts in both currencies and converts them at the latest rate, free.
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How to use it

  1. Enter your monthly take-home pay and the currency you are paid in.
  2. Choose the currency your family receives and the share you plan to send.
  3. Add your provider’s fee if you know it; the result shows what arrives and what is left for your own month.

The rate is the mid-market rate, before your bank or transfer service adds its margin, so the amount your family receives will usually be a little lower.

Popular routes

Questions

The mid-market rate BudgetByChat syncs several times a day. Your bank or transfer service will apply its own rate and fees, so treat the result as the best case and compare providers before you send.

There is no single right number. Cover your own fixed costs and an emergency fund first, then decide. A budget that leaves you short every month usually means sending less now and more later.

Planning the amount up front means your family gets a predictable sum and you do not have to guess at the end of the month. In a zero-based budget, money sent home is a category like rent.

Yes. In the free BudgetByChat app you can keep accounts in different currencies, and everything is converted into your main currency at the latest rate.

Related

Money sent homeRemittance budgets for AED, SAR, USD and GBP to PKR and INR: today’s rates, a 30-day trend and a calculator to plan the money you send home.Expats in the UAEBudgeting for expats in the UAE: a zero-based plan for Dubai, Abu Dhabi and Sharjah with rent, school fees, remittances home and savings, in dirhams. Worked example and a free calculator.How to budget in two currenciesHow to budget in two currencies when you are paid in dollars or dirhams but spend in rupees: one base currency, accounts in their own currency, and remittances as a budget line.Zero-based budget calculatorFree zero-based budget calculator: enter your monthly take-home pay and get a budget in seconds, with rent, groceries, transport and more, in any of 30 currencies. No sign-up.

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