USD to CAD Calculator

Usd To Cad Calculator

Updated Jul 30, 2026 By Jehan Wadia

Introduction

This USD to CAD calculator changes US dollars into Canadian dollars in seconds. Type an amount, and you get the answer right away. You can also flip it around and change Canadian dollars back into US dollars with one click.

The tool uses the live mid-market rate, which is the middle point between the buy and sell price. Banks and cards often charge a bit more than this, so you can type in your own rate to see what you will really get.

You also get more than just a number. The calculator shows the math step by step, so you can see how the answer was found. A chart shows how the USD/CAD rate has moved over the last 48 hours, week, month, or even 5 years. Quick tables let you check common amounts like $50, $100, or $1,000 fast.

This is handy if you shop online from Canada, travel across the border, get paid in a different currency, or send money to family. Just enter your amount and see what it is worth today. For other pairs, try our general Currency Calculator, the Euro to USD Calculator, the Pounds to Dollars Calculator, or the Yen to USD Calculator.

How to use our USD to CAD Calculator

Type the amount of money you want to change, check the exchange rate, and the calculator shows your converted amount in Canadian dollars or US dollars, plus the math steps behind it.

Currency I Have: Enter the amount you want to convert. It starts in USD. The result updates as you type.

Swap button: Click the arrows in the middle to flip the direction, so you convert CAD to USD instead of USD to CAD.

Currency I Want: This box shows your converted amount. You can also type here to work backwards and find the starting amount.

Copy button: Click the copy icon to save the result to your clipboard.

Exchange rate: This is filled in with the live mid-market USD/CAD rate. Change it to your bank's or credit card's rate to see what you will really get.

Use live mid-market rate: Click this to put the current market rate back in the rate box.

Calculate: Click to run the conversion and see the step-by-step solution. Reset clears everything and starts over.

Chart time period: Pick 48H, 1W, 1M, 6M, 12M, or 5Y to see how the USD to CAD rate has moved over that time.

Statistics tabs: Choose "Rates" to see high, low, average, and volatility numbers, or "Converted Value" to see what your amount was worth at those past rates. If you want to dig deeper into those numbers yourself, the Standard Deviation Calculator and the Percent Change Calculator use the same ideas.

Quick reference tables: Click any row to load that amount straight into the calculator.

USD to CAD: What It Means

The USD to CAD exchange rate tells you how many Canadian dollars (CAD) you get for one U.S. dollar (USD). If the rate is 1.40, then 1 USD is worth 1.40 CAD. Flip it around and 1 CAD is worth about 0.71 USD. This pair is one of the most traded in the world because the United States and Canada buy and sell so much from each other.

How the Rate Works

In the pair "USD/CAD," the first currency (USD) is the base and the second (CAD) is the quote. The number you see is the price of one U.S. dollar in Canadian dollars. To change USD into CAD, you multiply. To change CAD into USD, you divide by the same rate.

USD → CAD: amount × rate
CAD → USD: amount ÷ rate

When the rate goes up, the U.S. dollar is stronger and the Canadian dollar is weaker. When it goes down, the Canadian dollar is stronger. Traders measure these small moves in pips — see the Pip Calculator and the BPS Calculator if you want to size up a move exactly.

Why the Rate Keeps Moving

Exchange rates change every second that markets are open. A few big reasons:

Interest rates: choices made by the U.S. Federal Reserve and the Bank of Canada. Compare the effect on savings with an interest rate calculator.
Oil prices: Canada sells a lot of oil, so the "loonie" often rises when oil rises.
Trade and jobs data: strong economic news usually lifts a currency.
Risk and news: in scary times, traders often buy U.S. dollars for safety. Inflation matters too — check the Inflation Calculator or the CPI Inflation Calculator.

Mid-Market Rate vs. the Rate You Get

The mid-market rate is the middle point between the buy price and the sell price. It is the "real" rate you see on news sites. Banks, airports, and credit cards add a markup called the spread, plus sometimes a flat fee. So if the mid-market rate is 1.40 CAD per USD, your bank might only give you 1.36. That gap is the cost of the trade — the Percent Difference Calculator shows how wide that gap really is.

Airport kiosks and hotel desks usually have the worst rates. Banks, credit unions, and low-fee online transfer services are usually cheaper. On card purchases, watch out for "dynamic currency conversion," where a store offers to charge you in your home currency at a poor rate — it is often better to pay in the local currency. If you are paying by card abroad, the Credit Card Interest Calculator shows what carrying that balance adds on top.

Where This Matters

Travelers, cross-border shoppers, freelancers paid in U.S. dollars, students, and people sending money to family all care about USD/CAD. Even a small change in the rate adds up on big amounts. On a $10,000 transfer, a 2% markup costs about $200 — run it through the Percentage Calculator to see the damage on your own amount. Moving north of the border? The Cost of Living Calculator, the Canadian Mortgage Calculator, the Land Transfer Tax Calculator, and the HST Calculator all help with the Canadian side of the math. Active FX traders may also want the Forex Profit Calculator, the Forex Lot Size Calculator, and the Position Size Calculator.

Reading the History

Looking at past rates helps you see if today's number is high, low, or normal. The high is the most CAD one USD bought in that period, the low is the least, and the average shows the usual level — the Average Calculator works the same way on any set of numbers. Volatility shows how much the rate jumped from day to day — a bigger number means a bumpier ride, and the Variance Calculator explains the math behind it. Past rates do not predict future rates, but they give you a fair range to expect. If you convert on a set schedule instead of guessing, the DCA Calculator shows how averaging in over time smooths out the bumps.

Formulas used

USD to CAD conversion

\text{CAD} = \text{USD} \times r

CAD to USD conversion (inverse rate)

\text{USD} = \frac{\text{CAD}}{r} = \text{CAD} \times \frac{1}{r}

Percentage change vs. previous close

\Delta\% = \frac{r_{\text{now}} - r_{\text{prev}}}{r_{\text{prev}}} \times 100

Period change over the chart range

\Delta\%_{\text{period}} = \frac{r_{\text{last}} - r_{\text{first}}}{r_{\text{first}}} \times 100

Average rate over a period

\bar{r} = \frac{1}{n}\sum_{i=1}^{n} r_i

Daily return and volatility (standard deviation of daily returns)

\sigma\% = 100 \times \sqrt{\frac{1}{n-1}\sum_{i=1}^{n}\left(x_i - \bar{x}\right)^2}, \quad x_i = \frac{r_i - r_{i-1}}{r_{i-1}}

Typical daily swing in converted value

\text{Swing} = \pm\, \left(A \times \bar{r}\right) \times \frac{\sigma\%}{100}

Frequently asked questions

Where does the exchange rate in this calculator come from?

The rate comes from a live mid-market feed for the USD/CAD pair. It loads when you open the page, and the box under the rate shows the exact time it was pulled. If the feed cannot load, the tool shows a reference snapshot rate instead and tells you so.

How much is 100 US dollars in Canadian dollars?

Multiply 100 by the current USD to CAD rate. If the rate is 1.40, then 100 USD = 140.00 CAD. The rate changes all day, so check the live number at the top of the calculator or click the 100 row in the quick table to load it.

How do I convert Canadian dollars back to US dollars?

Click the round swap button between the two boxes. The flags flip to CAD on the left and USD on the right. You can also just type in the right-hand box, and the calculator works backwards for you.

How do I add my bank or card fee to the result?

Type your own rate in the exchange rate box. Example: if the mid-market rate is 1.4000 and your bank charges 3%, enter 1.4000 × 0.97 = 1.3580. The result, the steps, and the quick tables all update to that rate.

What does the note "Custom rate in use" mean?

It means you changed the rate box, so the calculator is no longer using the live market rate. Click Use live mid-market rate to switch back.

Is there a limit on how much I can convert?

Yes. The largest amount is 1,000,000,000 (one billion). Amounts must also be more than zero. If you go outside those limits, a short error message shows under the box.

Why did I get an error message?

Common reasons:

The box is empty or has letters in it.
The amount is zero or negative.
The amount is over one billion.
The exchange rate is zero or blank.

Fix the box and the result comes back right away.

What do the small up and down arrows next to USD and CAD mean?

They show which dollar has gotten stronger since the last market close. A green up arrow means that currency gained. A red down arrow means it lost value. One is always up while the other is down, because the pair moves together.

What does "vs previous close" mean?

It compares today's rate to the rate at the end of the last trading day. A reading like +0.13% means one US dollar buys 0.13% more Canadian dollars than it did then.

Why does the chart say "CAD per 1 USD"?

Because USD is the base currency in this pair. Every point on the chart shows how many Canadian dollars one US dollar was worth on that date or hour.

Do exchange rates change on weekends?

Forex markets close late Friday and open Sunday evening, so the rate mostly sits still over the weekend. Daily history skips weekends and holidays, which is why the chart can show flat gaps.

What is the 52-week high and low for?

They show the best and worst USD to CAD rates in the past year, with the date each one happened. Compare today's rate to them to see if it is high, low, or normal for the year.

What does the volatility percent tell me?

It shows how much the rate typically moved from one day to the next. A small number like 0.20% means a calm market. A bigger number means the rate jumps more, so timing your transfer matters more.

Why does the last step multiply the answer back again?

That is a reverse check. It takes your Canadian dollar answer and applies the inverse rate to see if you land back near your starting amount. Small rounding gaps of a cent or two are normal.

Should I convert my money now or wait?

Nobody can predict rates. Use the average and the 52-week high and low to see if today looks fair. If you convert often, spreading it over several dates smooths out the bumps.

Why does my amount get commas after I click away?

The calculator formats your number so it is easier to read, like 1,000.00. You can type with or without commas. The math uses the full value either way.

Can I copy the converted amount?

Yes. Click the copy icon next to the right-hand box. It copies the plain number, with no commas or currency letters, so you can paste it into a form or spreadsheet.

Does the calculator include transfer fees or a flat charge?

No. It converts at the rate you see or the rate you type in. Flat fees, wire charges, and ATM fees come off separately, so subtract them from your result.

Does this work on a phone?

Yes. The boxes, chart, and buttons resize for small screens. On phones you can slide the statistics and quick reference tables sideways to see all the columns.

Is the USD to CAD calculator free?

Yes. It is free, needs no sign-up, and your amounts are not saved. Everything is worked out in your browser.

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