Start from the cash you need → work the chain back to your SGD cost → add margin → get your sell price.
Best practice: for Wise / StraitsX, use the 📄 helper — punch in what you send and what actually lands from the confirmation screen, and it sets the true effective rate (fee & volume discount already baked in), fee 0. Or type a rate directly. Fees default to 0 so nothing double-counts; add a fee % only if you're using a headline rate and want to model it.
| To get this… | rate / fee applied | you need to put in |
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