Currency Calculator
Convert an amount between two currencies using an exchange rate you enter yourself.
Example
Convert 100 USD to EUR using a rate of 0.92 EUR per 1 USD. The calculator multiplies 100 × 0.92 = 92.00 EUR, and shows the inverse rate 1 ÷ 0.92 = 1.0870 USD per EUR. Click Invert to convert 100 EUR back to USD: 100 × (1 ÷ 0.92) = 108.70 USD.
How it works
Enter the amount and your exchange rate (units of target currency per 1 unit of source). Use Invert to flip the conversion direction; the converted amount and effective rate update live.
Good to know
This Currency Calculator turns one amount into its equivalent in another currency using an exchange rate that you type in yourself. Because it doesn't pull live market data, it's well suited to anyone who already has a specific rate in hand: travelers checking a posted booth rate, freelancers invoicing a client at an agreed rate, online shoppers comparing a foreign price, or students working a homework conversion. Enter the amount, enter the rate, pick the direction, and the result appears instantly.
Reach for it whenever the rate matters more than real-time accuracy. A common use is modeling the rate your bank or card will actually charge: take the mid-market rate, subtract a fee margin (for example, 2 to 3 percent), and enter that adjusted figure so the converted amount reflects what you'll really pay or receive. It's also handy for double-checking a quote someone else gave you, or for running several "what if" rates without hunting for a new tool each time.
The output has three parts worth reading together. "Applied rate" is the exact multiplier used for this conversion (target units per 1 source unit). "Inverse rate" is 1 divided by that figure, telling you how much one unit of the target currency is worth back in the source currency. "Direction" confirms which way the conversion ran. The Invert toggle is the key shortcut: it flips the conversion without making you retype or recalculate the rate, so the same 0.92 can serve both USD-to-EUR and EUR-to-USD.
One caveat: a rate you entered yesterday is already stale, and the result is only as good as the number you typed. Confirm the direction label matches what you intend before trusting the figure, since entering the rate the wrong way around is the most common mistake. The tool rounds the displayed amount to two decimals, which is fine for everyday sums but may hide tiny differences on very large transfers.
Frequently asked questions
Does this use live exchange rates?
No. This calculator never fetches data from the internet. You enter the exchange rate yourself, so look up the current rate from your bank or a market source and type it in.
Which way does the rate go?
The rate is units of the target currency per 1 unit of the source currency. For USD to EUR at 0.92, enter 0.92. Use the Invert toggle to flip the direction without re-typing the rate.
Is my data uploaded anywhere?
No — this calculator runs entirely in your browser; nothing is uploaded.
Is this financial advice?
No. These are educational estimates — consult a qualified financial professional before making decisions.
People also ask
How do I calculate an exchange rate between two currencies?
Divide the amount in the target currency by the amount in the source currency. For example, if 1 USD buys 0.92 EUR, the rate is 0.92 target units per 1 source unit, which is the figure you enter here.
What is the difference between the mid-market rate and the rate my bank gives me?
The mid-market (or interbank) rate is the midpoint between buy and sell prices and is the rate quoted by financial data sources. Banks and card providers typically add a margin or fee, so the rate you actually receive is usually less favorable than the mid-market rate.
Why is the converted amount different when I invert the direction?
Inverting uses the reciprocal of the rate (1 divided by the rate) rather than the same multiplier, so the math is not symmetric. Converting 100 at 0.92 gives 92, while inverting converts 100 at about 1.087, which reflects the opposite currency direction.
How accurate is converting currency with a fixed rate I enter?
It is exact for the rate you supply, but real exchange rates fluctuate constantly throughout the day. The result reflects the moment and source of the rate you typed, not the live market value at the time of an actual transaction.
Should I include fees when entering an exchange rate?
You can. If you want the result to reflect what you will actually pay, enter a rate already adjusted for any conversion fee or margin instead of the raw mid-market rate. The calculator simply applies whatever number you provide.
What does target per source mean for an exchange rate?
It means how many units of the currency you are converting into (target) you get for one unit of the currency you start with (source). For converting USD into EUR, you enter the number of euros per one dollar.
Can I use this calculator offline?
Yes. It runs entirely in your browser and does not contact the internet, so once the page is loaded it works without a connection. The trade-off is that it cannot fetch current rates for you.
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