Finance calculators

Currency Calculator

Updated Sep 1, 2026 By Jehan Wadia
Rate Formulas
Currency Converter
Quick amounts:
1.00 USD = 0.86256817 EUR
Mid-market rate as of --:-- UTC
Conversion result
1.00 USD = 0.86 EUR
e.g. your bank charges 2.5% over mid-market.
After fee / spread
0.84 EUR
You lose 0.02 EUR vs mid-market.
Round-trip cost (convert & convert back)
0.95 USD
Round-trip loss: 0.05 USD (5.00%).
Multi-Currency Conversion
Target currencies
CodeCurrencyConverted amount
Use Your Own Exchange Rate
Result using your custom rate
250.00 USD = 1,062.50 (custom)
Historical Rate Lookup
Live Rates Dashboard
Code Currency Rate 24h change 24h trend Remove


Introduction

This free currency calculator converts money between 34 world currencies. Just enter an amount, pick your currencies, and get results based on mid-market exchange rates. You can also see how much a bank fee or spread will cost you, so you know exactly what you lose on each conversion.

Beyond simple conversions, this tool lets you convert one amount into many currencies at once, plug in your own custom exchange rate, look up historical rates with charts, and view a live rates dashboard with 24-hour trends. It gives you the numbers you need to make smart choices with your money when you plan a trip, send money abroad, or compare rates from your bank.

How to Use Our Currency Calculator

Enter an amount and pick two currencies to see how much your money is worth in another country's money. The calculator shows your converted amount, fee costs, historical rates, and a live rates dashboard.

Currency Converter

From Amount: Type the amount of money you want to convert. This is the number you start with.

From Currency: Pick the currency you are converting from. This is the money you currently have.

To Currency: Pick the currency you want to convert to. This is the money you want to receive.

Swap Button: Click the arrow button between the two currencies to switch them instantly.

Quick Amounts: Click a preset button like 100, 500, 1,000, 5,000, or 10,000 to fill in the amount fast.

Provider Fee / Spread (%): Enter the percentage your bank or money service charges on top of the exchange rate. The calculator then shows what you actually receive after that fee and what a full round-trip conversion would cost.

Show Popular Currencies Only: Turn this switch on to shorten the currency dropdowns to only the most common currencies.

Multi-Currency Conversion

Base Amount: Type the amount you want to convert into several currencies at once.

Base Currency: Pick the currency you are starting with.

Target Currencies: Check the boxes for every currency you want to see results for. The table below updates with each converted amount.

Use Your Own Exchange Rate

Amount: Type the amount of money you want to convert using your own rate.

From and To Currency: Pick the two currencies for your custom conversion.

Your Rate: Enter the exact exchange rate you were quoted or want to test. The tool shows your result and compares it to the mid-market rate so you can see the difference.

Historical Rate Lookup

From and To Currency: Pick the two currencies you want to look up past rates for.

Date Range: Choose a preset time period like 1 week, 1 month, or 1 year. Pick "Custom dates" to type in your own start and end dates.

Start Date and End Date: These fields appear when you choose "Custom dates." Enter the dates you want to view. The chart and stats update to show the high, low, average, and percentage change for that period.

Live Rates Dashboard

Base Currency: Pick the currency all dashboard rates are measured against.

Invert Rates: Turn this switch on to flip the rates so you see how much of your base currency one unit of each target currency buys.

Add Currency: Type a currency code or name and click the plus button to add it to the dashboard table.

Major / All Tabs: Click "Major currencies" to see only the most traded currencies or "All currencies" to see every currency on your list.

Understanding Currency Conversion

When you travel to another country or buy something from a foreign store, you need to change your money into a different currency. This is called currency conversion. Every currency in the world has a value compared to every other currency, and that value is called an exchange rate. Exchange rates go up and down throughout the day based on trade, news, and how strong each country's economy is.

The mid-market rate is the fairest exchange rate between two currencies. It sits right in the middle of what buyers pay and what sellers ask for. Banks, airports, and money transfer services almost never give you this rate. They add a fee or spread on top, which is how they make money. This markup can range from less than 1% to over 5%, so it pays to compare providers before you exchange.

A round-trip cost shows how much money you lose if you convert your money to another currency and then convert it back. Fees get charged both ways, so the total loss adds up fast. For example, if a provider charges 3% each way, you lose roughly 6% of your original amount. Knowing this helps you decide if a conversion is worth it.

Looking at historical exchange rates can help you spot trends. If a currency has been getting weaker over time, you might want to exchange sooner. If it has been getting stronger, waiting could save you money. While past rates do not predict the future, they give you useful context for making smarter decisions with your money. Keep in mind that inflation also erodes purchasing power over time, so the real value of a currency involves more than just the exchange rate.


Formulas used

Cross Rate Between Two Currencies
R_{\text{from}\to\text{to}} = \frac{R_{\text{to}/\text{USD}}}{R_{\text{from}/\text{USD}}}
Currency Conversion
\text{Converted} = \text{Amount} \times R_{\text{from}\to\text{to}}
After Fee / Spread
\text{AfterFee} = \text{Converted} \times \left(1 - \frac{\text{Fee\%}}{100}\right)
Round-Trip Cost
\text{RoundTrip} = \text{Amount} \times R_{A\to B} \times \left(1 - \frac{f}{100}\right) \times R_{B\to A} \times \left(1 - \frac{f}{100}\right)
Round-Trip Loss Percentage
\text{Loss\%} = \frac{\text{Amount} - \text{RoundTrip}}{\text{Amount}} \times 100
Custom Rate Conversion
\text{Result} = \text{Amount} \times R_{\text{custom}}
Historical Period Change
\text{Change\%} = \frac{R_{\text{end}} - R_{\text{start}}}{R_{\text{start}}} \times 100
Inverse Rate
R_{\text{inverse}} = \frac{1}{R_{\text{from}\to\text{to}}}

Frequently asked questions

What is a mid-market exchange rate?

A mid-market rate is the middle point between the buy price and the sell price of a currency. It is the fairest rate you can get. Banks and money services usually add a fee on top of this rate, so you get less money than the mid-market rate shows.

What is a round-trip cost?

A round-trip cost is how much money you lose if you convert your money to another currency and then convert it back again. The fee gets charged both ways, so your total loss is roughly double the single fee percentage.

How do I look up a past exchange rate?

Go to the Historical Rate Lookup section. Pick your two currencies and choose a time range like 1 week, 1 month, or 1 year. You can also pick "Custom dates" and type in your own start and end dates. The chart and stats will update to show rates for that period.

Can I add or remove currencies from the live rates dashboard?

Yes. To add a currency, type its code or name in the "Add currency" field and click the plus button. To remove one, click the red X button next to it in the table.

What do the small trend lines on the dashboard mean?

Those are sparkline charts that show how each currency moved over the last 24 hours. A green line means the rate went up. A red line means it went down. They give you a quick visual of recent direction.

How do I compare my bank's rate to the mid-market rate?

Enter your bank's quoted rate in the "Use Your Own Exchange Rate" section. The tool shows your result and the mid-market result side by side. The difference tells you how much extra your bank is charging.