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Currency Calculator

Convert between currencies using a rate you set, with fees included.

Calculators Reviews Free · no sign-up

Convert

—

Type in either box to convert in that direction. Rates are yours to set, so this works offline and nothing is ever sent to a server.

What the conversion really costs

Most of the cost is hidden in the rate, not the stated fee.

Hidden margin in the rate—
Cost of that margin—
Fixed fee—
Total cost of converting—
You receive—
At mid-market you would get—

Quick Tool Overview

The Currency Calculator converts between currencies using a rate you supply, so it works offline, on a plane or on patchy signal, and never sends anything anywhere. The fee panel is the reason to use it over a search engine: it exposes the margin built into the rate you were offered.

What it does
Converts currency at your rate and reveals the true cost of fees
You give it
An exchange rate, an amount and any fees
You get back
The converted amount plus the hidden spread as percent and cash
Best for
Travel budgets, international transfers and offline conversion
Calculators Free, unlimited use No sign-up Runs in your browser

About the Currency Calculator

A currency converter that runs entirely in your browser. You supply the exchange rate, which means it works offline, on a plane or in a country with patchy signal, and it never sends anything anywhere. Enter a rate once and convert in both directions.

The reason to use this rather than a search engine is the fee panel. Banks and bureaux rarely charge an obvious commission any more; they build the margin into the rate. Enter the mid-market rate and the rate you were actually offered and the calculator shows the hidden spread as a percentage and as a cash amount, which is usually far larger than any stated fixed fee. Add a fixed transfer fee too and you get the true all-in cost per unit.

Key features of the Currency Calculator

Works offline

You supply the rate, so there is no network call — useful on a plane or in a country with patchy signal.

Hidden spread exposed

Enter the mid-market rate and the rate you were offered and the margin is shown as a percentage and a cash amount.

Fixed fees included

Add a transfer fee on top to get the true all-in cost per unit, which is what actually matters.

Converts both directions

Enter a rate once and go either way without re-entering it.

Nothing is transmitted

Amounts and rates stay in your browser, so financial figures never leave your device.

How to use the Currency Calculator

  1. 1

    Enter the exchange rate

    Type how many units of the target currency one unit of the source is worth. Look this up once and it stays until you change it.

  2. 2

    Enter an amount

    Convert in either direction — typing in either box updates the other.

  3. 3

    Add the fees

    Enter the rate you were offered and any fixed fee to see the total margin you are paying.

Frequently asked questions

Because this site never calls an external service. Everything runs in your browser, so nothing you type is uploaded. The trade-off is that live rates have to come from you, and the benefit is that the tool works offline.

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