Convert currencies between global currencies (USD, EUR, GBP, INR, JPY, CAD, AUD, CHF, CNY, SGD) with our free Currency Exchange Calculator. Real-time market FX rates automatically update when online, with instant offline fallbacks and custom rate lock capabilities for bank spread modeling.
Choose your source currency and target conversion currency, then enter your amount.
Use automatic real-time market rates or unlock the rate input to enter custom bank FX rates.
Instantly view your converted total amount along with forward and reverse exchange rates.
Your currency amounts and financial conversions are calculated locally inside your browser. No financial numbers are ever logged or uploaded.
Fetches real-time exchange rates when online and seamlessly falls back to local FX matrices when offline, ensuring uninterrupted conversion.
Override standard market rates with your bank's exact exchange rate or transfer fee percentage to model real-world payout totals.
Foreign Exchange (FX) is the global market mechanism for trading international currencies against one another. An exchange rate defines the relative value of a base currency expressed in terms of a quote target currency.
The fundamental conversion equations computed by this calculator are:
\(\text{Converted Yield} = \text{Starting Amount} \times \text{Base Exchange Rate}\)
\(\text{Cross Rate} = \frac{\text{Target Currency USD Rate}}{\text{Source Currency USD Rate}}\)
\(\text{Reverse Rate} = \frac{1}{\text{Base Exchange Rate}}\)
When exchanging currency through commercial banks, credit cards, or airport kiosks, retail customers rarely receive the pure wholesale mid-market rate. Using this tool's Custom Rate Lock (🔒), you can manually type in your bank's exact exchange rate or fee-adjusted rate to calculate the exact cash total you will receive.