## Stop estimating what you lose. Type four numbers and see it.

Deductions on an international payment are applied in sequence — withholding, commission, payout fee, conversion — and each one operates on what the last one left. That is why a 20% headline commission is not a 20% cost.

The calculator does the sequence for you. Enter your invoice amount, commission, payout fee and conversion markup, and it returns your net landed amount, your total cost of getting paid, and your effective take rate — plus the annual figure.

At the book's default rates, on four invoices a month, the cost of getting paid is $10,509 a year.

Inside the guide — the eight mechanisms:

• Article 226 invoice fields and the "Reverse charge" mention

• The formula that exposes a markup hidden inside an exchange rate

• What a receiving account is when the provider is not a bank

• Why the US 30% withholding usually does not reach you

• The compounding fee stack, with the arithmetic shown

• Compliance holds, and what actually shortens them

• Currency exposure you did not decide to take on

• Deposits and milestones, priced against real recovery costs

You get: the 38-page guide (PDF), the 2-page checklist, and the Excel calculator — defaults matched to the book, formulas locked, amber cells for what you change.

Find out what your last invoice actually cost you.