Currency Converter

Convert between USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY, INR, MXN and more. Approximate exchange rates with spread analysis for travel and budgeting.

Converted Amount
Exchange Rate
Inverse Rate
Note
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Converted Amount
Exchange Rate
Inverse Rate
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Exchange Rates

Mid-Market Rate
Bid Rate (Bank Buys)
Ask Rate (Bank Sells)
Inverse Rate

Conversion Results

Converted (Mid-Market)
Converted (After Spread)
Spread Cost

Important

Disclaimer

How to Use This Calculator

  1. Enter the Amount you want to convert.
  2. Select the From Currency (the currency you currently have).
  3. Select the To Currency (the currency you want).
  4. See the Converted Amount and exchange rate instantly.
  5. Use the Travel Budget tab to plan trip spending in local currency.

Formula

Currency Conversion:

Converted Amount = Amount × (Rate of Target / Rate of Base)

  • All rates are expressed relative to USD (1 USD = X units of currency)
  • Spread-adjusted rate = Mid-rate × (1 + spread%/2)

Example

Example: Convert $1,000 USD to EUR at a mid-market rate of 0.9201.

  • Mid-market: $1,000 × 0.9201 = €920.10
  • With 1.5% bank spread: €920.10 × 1.0075 = €927.00 (you pay more)
  • Spread cost: ~€6.90 on $1,000

Frequently Asked Questions

  • The rates shown are approximate mid-market values from January 2026. Actual rates from banks or exchange services will differ due to spreads and markups, typically 1–3% above mid-market. Always verify with your bank or a live service before transacting.
  • Banks and exchange services make a profit by quoting a rate slightly worse than the mid-market rate. The bid rate is what they pay you when you sell a currency; the ask rate is what they charge you to buy. The difference is the spread, typically 1–3% for retail exchanges.
  • Use a no-foreign-transaction-fee credit card or a debit card tied to a fintech account (Wise, Charles Schwab, Revolut) for the best rates. Airport kiosks and hotel exchanges typically have the worst spreads (5–10%). ATMs in the destination country are often a good option.
  • The mid-market rate (also called the interbank rate) is the midpoint between buy and sell rates on global currency markets. It is the fairest benchmark and what you see on Google or XE.com — but consumers rarely get this rate from banks.
  • Use the Multi-Currency tab to see a single USD amount converted into EUR, GBP, JPY, CAD, and AUD simultaneously — useful for comparing costs across countries.

Related Calculators

Sources & References (5)
  1. Federal Reserve — Foreign Exchange Rates (H.10) — Federal Reserve
  2. U.S. Treasury — Currency Exchange Rate Resources — U.S. Department of the Treasury
  3. Federal Reserve Bank of New York — Reference Rates — Federal Reserve Bank of New York
  4. Bureau of Labor Statistics — International Price Program — U.S. Bureau of Labor Statistics
  5. Bureau of Economic Analysis — International Trade Data — Bureau of Economic Analysis