Currency Converter
Convert between two currencies using an exchange rate you enter.
Enter the current rate yourself — this tool doesn't fetch live rates, so check a reliable source for today's exact number.
Converted amount
—
Estimates from standard formulas — not financial advice. They don't capture every fee, tax, or rate change; check important decisions with a lender, adviser, or accountant. Full disclaimer.
About this tool
Convert an amount between two currencies using a rate you enter. It works fully offline — nothing about the amounts you type leaves your device — which is also why it can't pull live rates. Look up today's number once, enter it, and the conversion is instant and repeatable for as many amounts as you like.
How the rate is defined. The field means "1 unit of the FROM currency equals how many units of the TO currency." If 1 USD = 0.92 EUR, then converting is just multiplication: 100 USD × 0.92 = 92 EUR. To go the other way, press "Swap" and enter the inverse rate: 1 ÷ 0.92 = about 1.087, so 100 EUR = 108.70 USD.
The rate you see vs. the rate you get. News sites and search results quote the mid-market rate — the midpoint between what banks buy and sell at. You almost never receive that. A card payment abroad, an ATM withdrawal, or a bank transfer typically adds a margin of 0.5–3% plus sometimes a flat fee. For a realistic figure, enter the rate your provider actually quotes, or add your provider's percentage to the mid-market rate.
Worked example. You're budgeting a €1,500 trip and your card adds a 2% foreign-transaction fee. Mid-market is 1 EUR = 1.08 USD, so the effective rate is about 1.08 × 1.02 = 1.102. Enter 1.102 with EUR → USD and €1,500 shows as about $1,653 — roughly $30 more than the headline rate implies.
Rounding and minor units. Most currencies have two decimal places, but some (Japanese yen, Korean won) have none and others (Bahraini dinar) have three. Round the final converted amount to the target currency's convention, not always to cents.
To work out a percentage margin or fee, use the percentage calculator. For non-money unit conversion, see the unit converter.
Frequently asked questions
- Why doesn't this fetch live exchange rates?
- It runs entirely in your browser with no backend, so it has no connection to a rates feed. Entering the rate keeps it private and usable offline.
- Where do I find today's rate?
- Your bank or card app, a currency site, or a search engine. Note that those usually show the mid-market rate, which is better than what you're actually charged.
- How do I convert in the opposite direction?
- Press "Swap" to flip the codes, then enter the inverse rate — 1 divided by the original rate.
- Why is my bank's converted amount lower than this shows?
- Banks and card networks add a margin (commonly 0.5–3%) and sometimes a fixed fee on top of the mid-market rate. Enter the rate they actually quote for a true figure.
- Does it handle currencies without decimal places?
- The maths is the same; just round the result to the target currency's convention — zero places for yen and won, three for some Gulf currencies.
- Can I save a rate for next time?
- The tool doesn't store rates. Bookmark the page with values filled in, or just re-enter the current rate each session since it changes anyway.