Currency Calculator
Convert between world currencies with an editable exchange rate.
About Currency Calculator
Currency conversion multiplies the source amount by the exchange rate. In practice, banks and money transfer operators quote a rate that is slightly worse than the mid-market rate — this spread is their profit. This calculator lets you enter the mid-market rate and apply an explicit fee so you can compare the true cost of different transfer methods.
Formulas
Basic conversion
Amount in target currency = Amount in source × Exchange rate
- A_from
- Amount in source currency
- A_to
- Amount in target currency
- R
- Exchange rate (units of target per unit of source)
After transaction fee
Net amount = Converted amount × (1 − fee rate)
- A_net
- Amount received after fee
- f
- Fee rate (decimal)
Worked example
With the default values below, Currency Calculator returns Converted Amount (before fee) of 920.0000. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Amount to Convertminimum 0
- 1,000
- From Currencyone of USD — US Dollar, EUR — Euro, GBP — British Pound, JPY — Japanese Yen, CAD — Canadian Dollar, AUD — Australian Dollar, CHF — Swiss Franc, CNY — Chinese Yuan, INR — Indian Rupee, MXN — Mexican Peso, BRL — Brazilian Real, SGD — Singapore Dollar, HKD — Hong Kong Dollar, NOK — Norwegian Krone, SEK — Swedish Krona, NZD — New Zealand Dollar, ZAR — South African Rand, KRW — South Korean Won, Other
- USD — US Dollar
- To Currencyone of USD — US Dollar, EUR — Euro, GBP — British Pound, JPY — Japanese Yen, CAD — Canadian Dollar, AUD — Australian Dollar, CHF — Swiss Franc, CNY — Chinese Yuan, INR — Indian Rupee, MXN — Mexican Peso, BRL — Brazilian Real, SGD — Singapore Dollar, HKD — Hong Kong Dollar, NOK — Norwegian Krone, SEK — Swedish Krona, NZD — New Zealand Dollar, ZAR — South African Rand, KRW — South Korean Won, Other
- EUR — Euro
- Exchange Rate (1 FROM = ? TO)minimum 0
- 0.92
- Include Transaction Fee?
- No
- Fee / Spread (%)accepts 0–20
- 1.5
Results
- Converted Amount (before fee)Result at the mid-market rate you entered.
- 920.0000
- Net Amount (after fee)
- 920.0000
- Fee Deducted
- 0.0000
- Effective Rate (1 FROM = ? TO)
- 0.920000
- Inverse Rate (1 TO = ? FROM)
- 1.086957
Step by step
- 1Convert 1,000.00 USD → EUR= 920.0000 EUR
- 2Inverse rate= 1 EUR = 1.086957 USD
Assumptions and limits
- The result is derived only from the 6 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation, tax or compounding frequency into account.
- Figures are rounded for display to 6 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Frequently Asked Questions
Where do I get the current exchange rate?
The mid-market rate (sometimes called the interbank rate) is published by XE.com, Google Finance, and Bloomberg. Your bank's retail rate will be slightly worse. For wire transfers, Google 'mid-market rate [currency pair]' immediately before transacting.
Why doesn't this calculator fetch live rates?
The rate you'll actually transact at depends on your provider, amount and account type, so this calculator takes the rate you were quoted rather than a mid-market rate that would give a false sense of precision. Calcrivo's country currency converters do show a live reference rate from the European Central Bank's daily fixing where one is published.
What is a 'spread'?
Banks and brokers set a buy rate and a sell rate that bracket the mid-market rate. The difference between them is the spread. On a $10,000 transfer, a 2% spread costs $200 — equivalent to a $200 fee but harder to see because it's embedded in the rate rather than itemised.
How do I find the cheapest way to send money abroad?
Compare the effective exchange rate (what you get ÷ what you send) across providers including your bank, specialist services (Wise, Revolut, OFX), and local bureaux de change. Total cost = fees + spread. Use this calculator with each provider's offered rate to compare directly.