Currency Converter

Convert an amount from one currency to another using an offline reference table or your own manual exchange rate. This tool also shows the exchange rate, inverse rate, and how optional fee/markup affects what you receive.

Because live rates are not allowed here, you can switch on Manual Rate Override anytime (for example, to use your bank’s quote, a remittance provider rate, or a marketplace rate). For more tools, explore All Calculators or browse Conversion Tools.

If you’re estimating international pricing, invoices, or subscription costs, you may also find Finance Calculators useful. Keep results transparent with clear rounding controls and a visible step-by-step breakdown.

Convert Currency (Offline + Manual Override)

Local • No API

Choose currencies, enter an amount, optionally apply a fee/markup, and set rounding precision. Results will appear directly below.

Amount

Enter the amount you want to convert (numbers only).

From currency

Select the currency you currently have.

To currency

Select the currency you want to receive.

Fee/Markup (%)

0–20. Treated as a fee that reduces the effective rate.

Decimal places

Controls rounding for displayed values (internal precision stays higher).

Manual Rate Override

Use your own exchange rate (from → to). Overrides the reference table.

Rates last updated: December 15, 2025 Method: Offline reference table (or manual override) Rounding: display-only (internal precision higher)

Reference rates are illustrative for offline estimation. For exact amounts, verify with your bank, card network, or provider.

Your Conversion

Raw rate: — Effective rate: — Inverse: —

Converted amount

—

Fee impact

—

Effective rate used

—

Effective vs raw —

If a fee/markup is applied, the effective rate is lower than the raw rate, so you receive less.

Fee gauge

Raw rate

—

Inverse rate

—

Gauge visualizes the fee percentage applied to the conversion rate (not a live market indicator).

Step-by-step breakdown

Transparent math using your selected currencies. Shows raw rate derivation, fee adjustment, and final multiplication.

Trust & Accuracy Notes

Accuracy & method: Calculations run locally in your browser; no data is sent to servers.
Rounding & precision policy: Rounding applies only to displayed values; internal math keeps higher precision.
Privacy-first: Inputs stay on your device. Copy buttons create plain text only.
Last Updated: January 18, 2026
Sources & references: Reference rates dataset is illustrative; verify with your bank or market sources for exact conversions.

Rounding mode: standard rounding (half-up). Display decimals follow your selected precision (0–6).

How it works (offline currency conversion)

This currency converter uses either a built-in reference rates table (offline) or a manual rate override that you provide. You choose an amount, a from currency, and a to currency. The calculator derives a raw exchange rate and then applies an optional fee/markup to compute the effective rate.

Variables

amount = the number you want to convert
from = currency you have
to = currency you want
fromRate = reference value for “1 USD = fromRate” in the table
toRate = reference value for “1 USD = toRate” in the table
feePct = optional fee percentage (0–20)

Core formula (reference table base approach)

raw_rate = toRate / fromRate

effective_rate = raw_rate × (1 − feePct/100)

converted = amount × effective_rate

inverse_rate = 1 / effective_rate

If Manual Rate Override is enabled, your provided “from → to” rate is used as raw_rate (then fee is applied).

Use cases

Travel budgeting: estimate how much local currency you’ll get after card or exchange fees.
Online shopping: compare checkout totals in your home currency before you pay.
Remittances: test different provider rates and see fee impact transparently.
Freelance invoicing: convert invoice amounts for international clients and handle markup assumptions.
Import/export quotes: estimate landed costs when negotiating prices across currencies.
Subscriptions & SaaS pricing: compare monthly charges across regions and apply expected spreads.

Worked examples

Example 1: 100 USD → EUR (no fee)

Suppose the offline table shows 1 USD = 0.92 EUR. Then the raw rate USD→EUR is 0.92. With 0% fee, effective rate = 0.92. Converted = 100 × 0.92 = 92.00 EUR. Inverse rate = 1 / 0.92 ≈ 1.08696 (meaning 1 EUR ≈ 1.087 USD).

Example 2: 250 GBP → PKR (2.5% fee)

Assume reference values: 1 USD = 0.79 GBP and 1 USD = 279.50 PKR. Raw rate GBP→PKR = 279.50 / 0.79 ≈ 353.7975. Fee 2.5% reduces the rate: effective = 353.7975 × (1 − 0.025) ≈ 344.9526. Converted = 250 × 344.9526 ≈ 86,238.15 PKR (rounded to 2 decimals).

Example 3: 1,000 AED → INR (manual override)

If your provider quotes 1 AED = 22.60 INR, enable Manual Rate Override and enter 22.60 for AED→INR. With 0% fee, effective rate = 22.60 and converted = 1,000 × 22.60 = 22,600 INR. If you add a 1% fee, effective rate becomes 22.60 × 0.99 = 22.374 and the result becomes 22,374 INR.

Common mistakes

Using a live-market rate when your bank applies a different spread or service fee.
Entering the inverse rate by accident (e.g., typing “USD per EUR” when you need “EUR per USD”).
Applying the fee twice (once in the rate and again as a separate percentage).
Rounding too early during multi-step budgeting; round only at the end for display.
Assuming offline reference values are exact—always verify for final transactions.
Mixing currency codes with similar names (e.g., AUD vs CAD) without checking the code.

Quick tips

For best realism, use Manual Rate Override with the rate you actually received from a provider.
Use the inverse rate to sanity-check: if 1 A = X B, then 1 B should be about 1/X A.
When comparing options, keep decimals at 2 for money, but raise to 4–6 for rate analysis.
Fee/markup can represent card spreads, remittance fees, or platform conversion costs.
Copy Full Summary to share a transparent quote with clients or teammates.
If a currency isn’t in the offline table, enable Manual Rate Override to avoid guesswork.

Frequently Asked Questions

Why doesn’t this currency converter show live exchange rates?

Live rates require external API calls, which aren’t used here. Instead, this calculator provides an offline reference table for quick estimation and a Manual Rate Override so you can input the exact rate you see from your bank, card network, remittance provider, or marketplace. That makes the output transparent and repeatable. You’ll also see the inverse rate and fee impact so you can compare options even without live feeds.

What is the difference between raw rate and effective rate?

The raw rate is the base conversion ratio between the selected currencies (either derived from the offline table or entered manually). The effective rate applies an optional fee/markup percentage to reflect costs such as spreads, service charges, or unfavorable exchange margins. In this tool, the fee reduces the rate: effective_rate = raw_rate × (1 − feePct/100). The results show both rates and the amount you receive after the fee adjustment.

How should I enter a manual exchange rate correctly?

Manual Rate Override expects the “from → to” rate: how many units of the to currency you get for 1 unit of the from currency. For example, if 1 USD equals 279.50 PKR, then for USD→PKR enter 279.50. If you accidentally enter the inverse (1 PKR equals 0.00358 USD), your result will be dramatically smaller. Use the inverse-rate card to confirm the relationship after calculation.

What does “inverse rate” mean and why is it useful?

The inverse rate is simply 1 divided by the effective rate. If the effective rate says 1 from-currency equals X to-currency, then the inverse tells you how much of the from-currency equals 1 unit of the to-currency. It’s useful for sanity checks, pricing comparisons, and understanding “per unit” costs. For example, if 1 USD = 0.92 EUR, then 1 EUR ≈ 1.087 USD. Seeing both directions reduces confusion when shopping or quoting.

How does rounding work in this calculator?

Rounding affects only displayed values. Internally, the calculator keeps higher precision so that the math remains stable and the step-by-step breakdown stays consistent. You can choose 0–6 decimal places depending on your need: 2 decimals is typical for money, while 4–6 decimals can help analyze rates or compare spreads. The rounding mode is standard rounding (half-up). If you’re budgeting a large transaction, consider using more decimals for the rate and then round the final amount for reporting.

Can I use this for travel, remittances, and ecommerce pricing?

Yes. For travel budgeting, the fee field can represent card spreads or kiosk fees so you can estimate “what you actually receive.” For remittances, enter the provider’s quoted rate as a manual override and add any percentage-style charges to see a transparent comparison across services. For ecommerce, convert product prices and apply an expected markup to account for platform conversion costs. The tool is designed to remain useful offline by emphasizing fee impact, inverse rate, and clear calculation steps.

What if my currency isn’t available in the reference table?

The currency list includes a broad set of ISO currency codes for selection, but the offline reference rate table is intentionally limited and illustrative. If a selected currency doesn’t have a reference value, the calculator will prompt you to enable Manual Rate Override. That ensures you don’t get a misleading guess. In practice, manual entry is often the best approach because it matches the exact rate you’re offered at the time of your transaction, including the provider’s spread or service charge.

Does this tool store my data or send it anywhere?

No. This calculator runs locally in your browser. Your amount, currency selection, fee settings, and manual rate (if used) are not transmitted to any server by this widget. Copy buttons generate plain-text summaries on your device, and the toast message confirms success. If your browser blocks clipboard access, the tool uses a safe fallback method. For privacy-minded users, this approach provides a transparent, offline-friendly conversion workflow without tracking or external calls.

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