Currency Conversion Calculator

What it does

If you know the reference rate, this tool shows you what actually arrives after markup and fee drag — and how much you need to send to still hit a target converted payout.

How the math works

Reference converted amount = source amount x reference FX rate. Effective rate = reference rate x (1 - markup). Final converted amount = source amount x effective rate - fixed fee. Source amount needed for target net = (target net + fixed fee) / effective rate.

Try it with real numbers

• A $1,500 payout at a 0.92 reference rate can leave noticeably less after a 2.5% FX markup and a fixed conversion fee are stacked on top.
• Compare the reference conversion against what you really keep — and see the source amount needed to still hit a target net.

Good to know

• Treat the reference rate as your planning baseline — not as a guaranteed settlement rate from the platform or bank.
• Both FX markup and fixed conversion costs matter, especially on mid-sized payouts where a small markup compounds against the full amount.
• Use this as a conversion planning tool before relying on a cross-border quote, payout, or settlement route.