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Currency Converter

Convert between major global currencies using indicative exchange rates.

Methodology, assumptions, and limitations

The entered amount is multiplied by the source-to-target exchange rate. When rates are expressed through a shared base currency, the cross rate is derived by dividing the two base-currency rates.

Assumptions
  • The displayed rate corresponds to the intended currency pair.
  • Both amounts use the same rate timestamp.
  • No transaction fee or spread is included unless entered.
Limitations
  • Exchange rates change continuously.
  • Banks and card providers add spreads and fees.
  • A reference rate is not a guaranteed executable market price.

Sources and standards

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Analysis
Interpretation of the current calculator output

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How to Use

Step-by-step instructions
  1. 1Enter the amount of money you want to convert.
  2. 2Select the currency you currently have.
  3. 3Select the currency you want to convert to.
  4. 4Review the estimated converted amount.

Currency Conversion

To convert between two fiat currencies, we determine their relative value to a shared base asset (in this case, USD), and multiply the input amount by the resulting exchange ratio.
Target Amount = Base Amount × (Target Rate ÷ Source Rate)

Variables:

Source RateThe value of the currency you have, relative to USD
Target RateThe value of the currency you want, relative to USD

Example

Converting USD to EUR

Inputs:

Amount:100
From:USD
To:EUR

Steps:

  1. 1.Check USD base rate: 1
  2. 2.Check EUR target rate: ~0.92
  3. 3.Ratio: 0.92 / 1 = 0.92
  4. 4.Multiply input: 100 * 0.92 = 92
Result:
$100 USD = €92 EUR

Frequently Asked Questions

Are these rates live?

No, this calculator uses static indicative rates for demonstration purposes. Live currency markets fluctuate every second. For official transactions, check your bank or a live Forex ticker.

Why do banks charge a different rate than what I see online?

The rates you see online are 'mid-market' rates. Banks and currency exchanges take a spread (a markup) as their fee for providing the conversion service.