Outward remittance calculator

How much foreign currency can you send abroad from your INR account under LRS? The bank takes the rupee cost of the currency plus TCS on it, GST on the conversion and its commission, all from the same account. This works out the largest whole amount that still leaves your cash buffer behind.

Current balance (₹) Cash buffer to keep (₹) Currency FX rate (₹ per 1 USD) Live 94.11 · 8 Nov 2026 TCS (%) Bank commission (USD) Note (optional: remitter details or purpose. Saved in the copied link, so it's to hand when you make the remittance)

Max amount you can remit $8,839

Converted	$8,839 × 94.11	₹831,838.29
TCS	20%	₹166,367.66
GST	18% of ₹4,659.19	₹838.65
Taxable value (₹1–10 lakh slab): ₹1,000 + 0.5% × (₹831,838.29 − ₹100,000) = ₹4,659.19. GST is 18% of that.
Commission	$10.00	₹941.10
Total debited		₹999,985.70
Left in account	buffer ₹0.00	₹14.30

The live FX rate is the mid-market rate, refreshed once a day. Banks convert at a slightly worse rate, so enter your bank's quote for an exact answer. GST is worked out by the government slab (CGST Rule 32(2)(b)) on the rupee amount converted: 18% of 1% up to ₹1 lakh (at least ₹250), of ₹1,000 + 0.5% of the amount above ₹1 lakh up to ₹10 lakh, and of ₹5,500 + 0.1% of the amount above ₹10 lakh (at most ₹60,000). TCS is applied to the whole converted amount at the rate you enter. It isn't a fee: it shows up in Form 26AS and counts against your income tax when you file your return. Your bank's quote may round FX or charges differently by a few rupees.