Many diaspora don't just earn abroad — they also have income streams back home (rental property, freelance clients, business revenue). This calculator reveals your true combined income after FX conversion and transfer fees.
Foreign income (where you live now)
After taxes
How often you send home
Home-country income (rental, freelance, business)
Exchange rate & transfer costs
Currency of your home country
Enter the exchange rate
Wise: 1-2%, Banks: 3-7%
Test a 10-20% depreciation
Almost no home-country income
Only 2% of your income is from home. When you return, you'll be fully exposed. Build home-country income streams before returning.
These insights are educational and do not constitute financial advice.
Saved plans
No saved plans yet. Save your first plan above.
Understanding the numbers
Your "true income" isn't just foreign salary + home income. It's that sum after remittance fees and FX spreads. The average diaspora loses 5-12% of their foreign income to these invisible costs before it ever reaches their home country.
Once you know your true combined income, you can plan more accurately. A €4,000 foreign salary might look like 6 million Naira at the official rate, but if you're transferring via expensive bank channels, you might only realize 5.4 million — a 10% gap that compounds over years.
Why this matters for your return
When you return home, your income mix will likely flip: home-country income becomes primary, foreign income (if any) becomes supplemental. Understanding your current dual-income baseline helps you model the income gap you'll need to fill post-return.
If your home income is currently less than 10% of your total, you have very little FX hedge. When you return, you'll be fully exposed to local economic conditions. Building up home-country income streams before you return (rental property, freelance clients, online business) is one of the smartest diaspora moves you can make.
FX stress testing
The stress test shows what happens to your combined income if your home currency drops by 10% against your foreign currency. This isn't hypothetical for many African currencies — Naira, Cedi, Shilling, and Rand have all seen double-digit annual depreciation in recent years.