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USD to PHP Calculator 2026

Compare exactly how many pesos you receive on a USD→PHP conversion across the three paths Filipino freelancers actually use. Real fees. Verified mid-market rates. No marketing fluff.

Your numbers

Rate auto-updates from open exchange-rate data on page load. Adjust manually for precision or to model a different rate.
Disclosure: This calculator uses ModernEarner's verified fee research as of 2026-05-20. Wise + Binance links earn us a commission if you sign up, at no extra cost to you. Payoneer is included in the math for editorial completeness — we are NOT affiliated with Payoneer and earn nothing if you use it. We chose to surface all three paths because hiding a real option just because we don't earn on it would be exactly the kind of affiliate spam this publication exists to counter. Verify current fees on each provider's official pricing page before transferring large amounts.

How this calculator works

Wise: Mid-market rate + transparent percentage fee. We use ~0.55% effective fee for USD→PHP based on Wise's published fee structure (verify on wise.com). Result: roughly $5-8 per $1,000 USD.

Payoneer: Up to 3.5% FX spread above mid-market for USD→PHP conversion. Result: roughly $35 lost per $1,000 USD via direct conversion. Full breakdown in our Payoneer review.

USDT (P2P via Binance): 1-3% effective spread above mid-market on Binance P2P market for USDT→PHP, plus negligible network fees on TRC-20 (~$0.50-1). We use 2% as typical-condition midpoint. Carries different trade-offs: regulatory uncertainty, no deposit insurance, BIR reporting obligations. Best for $2,000+/mo where speed + low cost outweigh those trade-offs.

All numbers from our Wise vs Payoneer comparison and USDT vs Wise vs Payoneer comparison articles.

What this calculator does NOT include: ATM withdrawal fees · debit card fees · bank receiving fees on the PH side · taxes (BIR obligations for crypto income). Add ~₱20-100 per withdrawal depending on path.