Currency Converter
Conversions
Currency converter
Pick two currencies and an amount — the converter applies the day's ECB reference rate and can factor in your bank's markup.
Convert a currency
Converted amount (INR)
8,425.93
1 USD = 84.2593 INR
After 0% fee (INR)
8,425.93
What you'd receive after markup
Loading the latest reference rates…
What this converter does
This currency converter applies the day’s European Central Bank reference cross-rate between your two chosen currencies, and lets you add a markup percentage so the result reflects what a bank or card would actually pay out. Rates refresh once per working day; your amounts never leave the browser.
Who should use this converter
Travellers estimating holiday budgets, freelancers invoicing in a foreign currency, students studying exchange-rate maths, or anyone who needs a quick multiplication check. If you already know the exchange rate and just need the arithmetic, this tool is faster than searching for a live converter.
How it works
The formula is straightforward: Converted amount = Amount × Exchange rate. The tool derives the exchange rate for your pair from the ECB’s daily reference set (e.g. 1 USD ≈ 83 INR), multiplies, and optionally deducts your fee percentage. The only network request fetches the day’s rates — your inputs are never sent anywhere.
Example
Converting 500 USD to EUR at a rate of 0.92 gives 500 × 0.92 = 460 EUR. To convert back, use the inverse rate: 460 ÷ 0.92 ≈ 500 USD. Always confirm the rate direction (e.g. USD→EUR vs EUR→USD) before converting.
Where to find exchange rates
Central banks publish daily reference rates (e.g. the European Central Bank, Reserve Bank of India, Bank of England). Financial data providers such as XE.com and Google Finance show indicative mid-market rates. For transfers, use the rate offered by your bank or payment service — it may include fees or a spread.
Limitations & disclaimer
ECB reference rates are published once per working day and are indicative, not a settlement quote — intraday moves and provider spreads are not reflected. Use this for estimates and verify with your bank or payment service before transacting. See also our utilities currency converter for an alternative layout.
Frequently asked questions
Are the exchange rates live?
Yes. The converter uses European Central Bank reference rates, refreshed once per working day via the free frankfurter.app service. If the feed is unreachable, clearly labelled approximate rates are used instead.
How do I account for bank fees?
Use the markup field. Banks and cards typically add 1–3% on top of the mid-market rate, so entering your provider’s markup shows the net amount you will actually receive.
Is this suitable for accounting or invoicing?
Use this for quick estimates. For official accounting, use the rate published by a central bank or the rate provided by your payment processor on the date of the transaction.
Does the converter support all currencies?
You can convert between any two currencies by entering the applicable exchange rate. The tool is currency-agnostic — it multiplies the amount by whatever rate you provide.