Currency Calculator

Convert between 30+ currencies with live exchange rates. Includes custom rate converter and major currency cross-rate table.

Currency Worksheet

AmountAmount to convert

USD

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Custom Rate Worksheet

Exchange rate (A/B)Units of B per 1 unit of A

Amount to exchange

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How Currency Conversion Works

Currency conversion uses exchange rates to determine how much one currency is worth in terms of another. The formula is:

Converted Amount = Amount × Exchange Rate

Exchange rates fluctuate based on supply and demand in the foreign exchange (forex) market, influenced by interest rates, inflation, trade balances, and political stability.

Exchange Rate Types

Mid-market rate: The true exchange rate midpoint between buy and sell. This is what you see on Google or financial sites
Buy rate: The rate a dealer will pay to buy currency from you (lower than mid-market)
Sell rate: The rate a dealer charges to sell currency to you (higher than mid-market)
Spread: The difference between buy and sell rates — this is the dealer's profit

Tips for Getting Better Exchange Rates

Avoid airport exchanges: Airport kiosks typically have the worst rates with 5-10% markups
Use a no-foreign-transaction-fee credit card: Cards like Chase Sapphire or Capital One Venture charge 0% foreign transaction fees and use near mid-market rates
Withdraw from ATMs abroad: Usually better rates than exchange counters, though watch for ATM fees
Compare providers: Online services like Wise (TransferWise) often offer rates much closer to mid-market than traditional banks
Avoid dynamic currency conversion: When a merchant offers to charge you in your home currency, they add a markup. Always pay in the local currency

Major World Currencies

Code	Currency	Region
USD	United States Dollar	United States
EUR	Euro	Eurozone (20 countries)
GBP	British Pound Sterling	United Kingdom
JPY	Japanese Yen	Japan
CNY	Chinese Yuan Renminbi	China
CAD	Canadian Dollar	Canada
AUD	Australian Dollar	Australia
CHF	Swiss Franc	Switzerland

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Frequently Asked Questions

What is the mid-market exchange rate?

The mid-market rate, also called the interbank rate, is the midpoint between the buy and sell prices for a currency on global markets. It is the fairest reference rate and is the one quoted in most search results and news, but retail customers rarely get it; banks and exchange services add a markup.

Why is the bank exchange rate different from the mid-market rate?

Banks, card issuers and exchange counters add a markup, called the spread, on top of the mid-market rate. The rate a customer actually receives is typically 1 to 5 percent worse depending on the provider. Comparing the quoted rate with the mid-market rate shows how much the conversion really costs.

Why do exchange rates change during the day?

Currency markets trade 24 hours a day, so rates move constantly with economic data releases, central bank decisions, trade flows and investor sentiment. A rate from the morning can differ meaningfully from one in the afternoon. Reference rates published once a day are a snapshot, not a live price.

What is a cross rate in currency exchange?

A cross rate is an exchange rate between two currencies that does not involve the US dollar, such as GBP to JPY. In practice many providers route the trade through USD, converting GBP to USD and then USD to JPY, so two separate spreads can apply to one conversion.