See what a conversion actually costs.

Enter a provider’s quoted rate and charges to calculate your payment, payout, and effective rate.

The prefilled 0.89 EUR per USD is an illustrative example, not a current quote. This calculator does not fetch market rates.

Your quote after fees

Total paid: 1,000.00 USD
Amount received: 878.43 EUR
Explicit fees: 13.00 USD
Effective rate: 0.87843 EUR per 1 USD

Effective rate = amount received ÷ total paid. Results are rounded for display; calculations use unrounded values. Provider rounding and other charges may change the final transaction.

Enable JavaScript to edit the example. With a 1,000 USD payment, a 1% fee plus 3 USD deducted before conversion, and an illustrative rate of 0.89 EUR per USD, 987 USD is converted into 878.43 EUR.

Compare the same payment and timing

Use the rate your provider offers for this amount. A rate markup is already reflected in that rate; adding it again as a fee would count it twice. Include any separate recipient charges using the payout deduction option when they follow the same percentage-plus-fixed structure.

Read the worked conversion-fees guide for the formulas. For an informational reference, use the currency converter; for a travel budget, try the mixed-currency calculator.