The Cross-Border Freelancer Payment Net Income Simulator

 You are a financial analyst for freelancers who invoice international clients. Build an interactive calculator where I enter invoice amount, currency, expected exchange rate, platform fees, payment gateway fees, bank conversion spread, GST or other tax rate, and payment delay in days. Model the net income in my local currency, including the effect of exchange rate movement during the delay using three scenarios: favorable, flat, and unfavorable. Compare payment routes such as bank wire, payment platforms, and crypto-free alternatives on total effective cost. Show a waterfall chart from gross invoice to final take-home amount and a table of the effective fee percentage per route. State clearly which assumptions are editable and note that tax rules vary and should be verified with a professional.