{
  "title": "Remesas: 45 escenarios de punto de equilibrio",
  "version": "1.1",
  "date": "2026-10-09",
  "creator": "Raíces Finanzas",
  "url": "https://raicesfinanzas.com/remesas/punto-de-equilibrio",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "type": "hypothetical_scenario_model",
  "taxRate": 0.01,
  "currency": "USD",
  "sources": [
    "https://www.irs.gov/newsroom/treasury-irs-issue-proposed-regulations-on-the-new-remittance-transfer-tax-established-under-the-one-big-beautiful-bill",
    "https://www.irs.gov/irb/2026-18_IRB",
    "https://www.federalregister.gov/documents/2026/04/13/2026-07085/excise-tax-on-remittance-transfers",
    "https://www.consumerfinance.gov/ask-cfpb/what-types-of-fees-do-prepaid-cards-typically-charge-en-2053/",
    "https://www.consumerfinance.gov/consumer-tools/sending-money/"
  ],
  "assumptions": [
    "Taxable cash compared with eligible untaxed account/debit funding.",
    "Same recipient amount and exchange value across both routes.",
    "Full 12-month first year; only incremental costs.",
    "No fees or setup costs in scenario grid except monthly fee.",
    "No observed provider tariffs or population statistics."
  ],
  "formulas": {
    "annualCashCost": "amount * taxRate * transfers + cashFee * transfers",
    "annualBankCost": "monthlyFee * 12 + bankFee * transfers + setupFee",
    "annualSaving": "annualCashCost - annualBankCost",
    "maxMonthlyFee": "(amount * taxRate * transfers + (cashFee - bankFee) * transfers - setupFee) / 12"
  },
  "columns": {
    "amount": "Transfer principal, USD",
    "transfers": "Transfers per year",
    "monthlyFee": "Additional monthly account fee, USD",
    "cashFee": "Cash route cost per transfer excluding tax, USD",
    "bankFee": "Bank route cost per transfer, USD",
    "setupFee": "Other additional first-year costs, USD",
    "taxPerTransfer": "Modeled 1% tax per transfer, USD",
    "annualTax": "Modeled annual cash tax, USD",
    "annualCashCost": "Annual cash route costs excluding principal, USD",
    "annualBankCost": "Annual bank route costs excluding principal, USD",
    "annualSaving": "Cash cost less bank cost, USD; negative means switching costs more",
    "maxMonthlyFee": "Monthly fee at which annual costs are equal, USD"
  },
  "scenarios": [
    {
      "amount": 100,
      "transfers": 12,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 12,
      "annualCashCost": 12,
      "annualBankCost": 0,
      "annualSaving": 12,
      "maxMonthlyFee": 1
    },
    {
      "amount": 100,
      "transfers": 12,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 12,
      "annualCashCost": 12,
      "annualBankCost": 60,
      "annualSaving": -48,
      "maxMonthlyFee": 1
    },
    {
      "amount": 100,
      "transfers": 12,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 12,
      "annualCashCost": 12,
      "annualBankCost": 120,
      "annualSaving": -108,
      "maxMonthlyFee": 1
    },
    {
      "amount": 100,
      "transfers": 24,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 24,
      "annualCashCost": 24,
      "annualBankCost": 0,
      "annualSaving": 24,
      "maxMonthlyFee": 2
    },
    {
      "amount": 100,
      "transfers": 24,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 24,
      "annualCashCost": 24,
      "annualBankCost": 60,
      "annualSaving": -36,
      "maxMonthlyFee": 2
    },
    {
      "amount": 100,
      "transfers": 24,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 24,
      "annualCashCost": 24,
      "annualBankCost": 120,
      "annualSaving": -96,
      "maxMonthlyFee": 2
    },
    {
      "amount": 100,
      "transfers": 52,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 52,
      "annualCashCost": 52,
      "annualBankCost": 0,
      "annualSaving": 52,
      "maxMonthlyFee": 4.333333333333333
    },
    {
      "amount": 100,
      "transfers": 52,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 52,
      "annualCashCost": 52,
      "annualBankCost": 60,
      "annualSaving": -8,
      "maxMonthlyFee": 4.333333333333333
    },
    {
      "amount": 100,
      "transfers": 52,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 1,
      "annualTax": 52,
      "annualCashCost": 52,
      "annualBankCost": 120,
      "annualSaving": -68,
      "maxMonthlyFee": 4.333333333333333
    },
    {
      "amount": 200,
      "transfers": 12,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 24,
      "annualCashCost": 24,
      "annualBankCost": 0,
      "annualSaving": 24,
      "maxMonthlyFee": 2
    },
    {
      "amount": 200,
      "transfers": 12,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 24,
      "annualCashCost": 24,
      "annualBankCost": 60,
      "annualSaving": -36,
      "maxMonthlyFee": 2
    },
    {
      "amount": 200,
      "transfers": 12,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 24,
      "annualCashCost": 24,
      "annualBankCost": 120,
      "annualSaving": -96,
      "maxMonthlyFee": 2
    },
    {
      "amount": 200,
      "transfers": 24,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 48,
      "annualCashCost": 48,
      "annualBankCost": 0,
      "annualSaving": 48,
      "maxMonthlyFee": 4
    },
    {
      "amount": 200,
      "transfers": 24,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 48,
      "annualCashCost": 48,
      "annualBankCost": 60,
      "annualSaving": -12,
      "maxMonthlyFee": 4
    },
    {
      "amount": 200,
      "transfers": 24,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 48,
      "annualCashCost": 48,
      "annualBankCost": 120,
      "annualSaving": -72,
      "maxMonthlyFee": 4
    },
    {
      "amount": 200,
      "transfers": 52,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 104,
      "annualCashCost": 104,
      "annualBankCost": 0,
      "annualSaving": 104,
      "maxMonthlyFee": 8.666666666666666
    },
    {
      "amount": 200,
      "transfers": 52,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 104,
      "annualCashCost": 104,
      "annualBankCost": 60,
      "annualSaving": 44,
      "maxMonthlyFee": 8.666666666666666
    },
    {
      "amount": 200,
      "transfers": 52,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 2,
      "annualTax": 104,
      "annualCashCost": 104,
      "annualBankCost": 120,
      "annualSaving": -16,
      "maxMonthlyFee": 8.666666666666666
    },
    {
      "amount": 350,
      "transfers": 12,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
      "annualTax": 42,
      "annualCashCost": 42,
      "annualBankCost": 0,
      "annualSaving": 42,
      "maxMonthlyFee": 3.5
    },
    {
      "amount": 350,
      "transfers": 12,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
      "annualTax": 42,
      "annualCashCost": 42,
      "annualBankCost": 60,
      "annualSaving": -18,
      "maxMonthlyFee": 3.5
    },
    {
      "amount": 350,
      "transfers": 12,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
      "annualTax": 42,
      "annualCashCost": 42,
      "annualBankCost": 120,
      "annualSaving": -78,
      "maxMonthlyFee": 3.5
    },
    {
      "amount": 350,
      "transfers": 24,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
      "annualTax": 84,
      "annualCashCost": 84,
      "annualBankCost": 0,
      "annualSaving": 84,
      "maxMonthlyFee": 7
    },
    {
      "amount": 350,
      "transfers": 24,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
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      "annualCashCost": 84,
      "annualBankCost": 60,
      "annualSaving": 24,
      "maxMonthlyFee": 7
    },
    {
      "amount": 350,
      "transfers": 24,
      "monthlyFee": 10,
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      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
      "annualTax": 84,
      "annualCashCost": 84,
      "annualBankCost": 120,
      "annualSaving": -36,
      "maxMonthlyFee": 7
    },
    {
      "amount": 350,
      "transfers": 52,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
      "annualTax": 182,
      "annualCashCost": 182,
      "annualBankCost": 0,
      "annualSaving": 182,
      "maxMonthlyFee": 15.166666666666666
    },
    {
      "amount": 350,
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      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
      "annualTax": 182,
      "annualCashCost": 182,
      "annualBankCost": 60,
      "annualSaving": 122,
      "maxMonthlyFee": 15.166666666666666
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    {
      "amount": 350,
      "transfers": 52,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
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      "taxPerTransfer": 3.5,
      "annualTax": 182,
      "annualCashCost": 182,
      "annualBankCost": 120,
      "annualSaving": 62,
      "maxMonthlyFee": 15.166666666666666
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    {
      "amount": 500,
      "transfers": 12,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 5,
      "annualTax": 60,
      "annualCashCost": 60,
      "annualBankCost": 0,
      "annualSaving": 60,
      "maxMonthlyFee": 5
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    {
      "amount": 500,
      "transfers": 12,
      "monthlyFee": 5,
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      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 5,
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      "annualCashCost": 60,
      "annualBankCost": 60,
      "annualSaving": 0,
      "maxMonthlyFee": 5
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    {
      "amount": 500,
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      "annualCashCost": 60,
      "annualBankCost": 120,
      "annualSaving": -60,
      "maxMonthlyFee": 5
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    {
      "amount": 500,
      "transfers": 24,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
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      "taxPerTransfer": 5,
      "annualTax": 120,
      "annualCashCost": 120,
      "annualBankCost": 0,
      "annualSaving": 120,
      "maxMonthlyFee": 10
    },
    {
      "amount": 500,
      "transfers": 24,
      "monthlyFee": 5,
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      "taxPerTransfer": 5,
      "annualTax": 120,
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      "annualSaving": 60,
      "maxMonthlyFee": 10
    },
    {
      "amount": 500,
      "transfers": 24,
      "monthlyFee": 10,
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      "annualCashCost": 120,
      "annualBankCost": 120,
      "annualSaving": 0,
      "maxMonthlyFee": 10
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    {
      "amount": 500,
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      "maxMonthlyFee": 21.666666666666668
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    {
      "amount": 500,
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      "monthlyFee": 5,
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    {
      "amount": 500,
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    {
      "amount": 1000,
      "transfers": 12,
      "monthlyFee": 0,
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      "bankFee": 0,
      "setupFee": 0,
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      "annualTax": 120,
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      "annualSaving": 120,
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    },
    {
      "amount": 1000,
      "transfers": 12,
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      "annualTax": 120,
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      "annualBankCost": 60,
      "annualSaving": 60,
      "maxMonthlyFee": 10
    },
    {
      "amount": 1000,
      "transfers": 12,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 10,
      "annualTax": 120,
      "annualCashCost": 120,
      "annualBankCost": 120,
      "annualSaving": 0,
      "maxMonthlyFee": 10
    },
    {
      "amount": 1000,
      "transfers": 24,
      "monthlyFee": 0,
      "cashFee": 0,
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      "setupFee": 0,
      "taxPerTransfer": 10,
      "annualTax": 240,
      "annualCashCost": 240,
      "annualBankCost": 0,
      "annualSaving": 240,
      "maxMonthlyFee": 20
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    {
      "amount": 1000,
      "transfers": 24,
      "monthlyFee": 5,
      "cashFee": 0,
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      "setupFee": 0,
      "taxPerTransfer": 10,
      "annualTax": 240,
      "annualCashCost": 240,
      "annualBankCost": 60,
      "annualSaving": 180,
      "maxMonthlyFee": 20
    },
    {
      "amount": 1000,
      "transfers": 24,
      "monthlyFee": 10,
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      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 10,
      "annualTax": 240,
      "annualCashCost": 240,
      "annualBankCost": 120,
      "annualSaving": 120,
      "maxMonthlyFee": 20
    },
    {
      "amount": 1000,
      "transfers": 52,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 10,
      "annualTax": 520,
      "annualCashCost": 520,
      "annualBankCost": 0,
      "annualSaving": 520,
      "maxMonthlyFee": 43.333333333333336
    },
    {
      "amount": 1000,
      "transfers": 52,
      "monthlyFee": 5,
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      "annualTax": 520,
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      "annualBankCost": 60,
      "annualSaving": 460,
      "maxMonthlyFee": 43.333333333333336
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    {
      "amount": 1000,
      "transfers": 52,
      "monthlyFee": 10,
      "cashFee": 0,
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      "setupFee": 0,
      "taxPerTransfer": 10,
      "annualTax": 520,
      "annualCashCost": 520,
      "annualBankCost": 120,
      "annualSaving": 400,
      "maxMonthlyFee": 43.333333333333336
    }
  ],
  "workedExamples": [
    {
      "title": "Envío mensual pequeño y una cuenta nueva",
      "amount": 350,
      "transfers": 12,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 0,
      "taxPerTransfer": 3.5,
      "annualTax": 42,
      "annualCashCost": 42,
      "annualBankCost": 60,
      "annualSaving": -18,
      "maxMonthlyFee": 3.5
    },
    {
      "title": "Una cuenta existente y menor costo por envío",
      "amount": 500,
      "transfers": 12,
      "monthlyFee": 0,
      "cashFee": 3,
      "bankFee": 1,
      "setupFee": 0,
      "taxPerTransfer": 5,
      "annualTax": 60,
      "annualCashCost": 96,
      "annualBankCost": 12,
      "annualSaving": 84,
      "maxMonthlyFee": 7
    },
    {
      "title": "Cuenta nueva, pero transferencia más barata",
      "amount": 500,
      "transfers": 12,
      "monthlyFee": 5,
      "cashFee": 3,
      "bankFee": 1,
      "setupFee": 0,
      "taxPerTransfer": 5,
      "annualTax": 60,
      "annualCashCost": 96,
      "annualBankCost": 72,
      "annualSaving": 24,
      "maxMonthlyFee": 7
    },
    {
      "title": "Sin cuota mensual, con un cargo por transferencia",
      "amount": 200,
      "transfers": 24,
      "monthlyFee": 0,
      "cashFee": 0,
      "bankFee": 3,
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      "taxPerTransfer": 2,
      "annualTax": 48,
      "annualCashCost": 48,
      "annualBankCost": 72,
      "annualSaving": -24,
      "maxMonthlyFee": -2
    },
    {
      "title": "El cargo inicial cambia el primer año",
      "amount": 350,
      "transfers": 24,
      "monthlyFee": 5,
      "cashFee": 0,
      "bankFee": 0,
      "setupFee": 25,
      "taxPerTransfer": 3.5,
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      "annualBankCost": 85,
      "annualSaving": -1,
      "maxMonthlyFee": 4.916666666666667
    },
    {
      "title": "Envíos semanales con varios cargos",
      "amount": 1000,
      "transfers": 52,
      "monthlyFee": 10,
      "cashFee": 0,
      "bankFee": 2,
      "setupFee": 30,
      "taxPerTransfer": 10,
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      "maxMonthlyFee": 32.166666666666664
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  ]
}