Convert between any two world currencies at live mid-market rates. Type the amount, pick source and target currencies, and see the converted value plus the rate that was applied. Rates refresh automatically and the calculator works for any major or minor currency.
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Часть содержимого пока показывается на английском.
Currency conversion is something most Indians do dozens of times a year without thinking - looking up an Amazon Global price in INR, checking the cost of a Singapore weekend, comparing a USD freelance quote to a domestic one, sending money to a relative abroad. The headline mid-market rate that this calculator returns is what you'll see on Google, XE, Reuters and every financial news site. It's the rate at which large financial institutions transact among themselves.
What you actually pay or receive when transacting in foreign currency is always a few percentage points off the mid-market rate. Banks add a 'forex markup' (usually 2-4%), credit cards add a 'cross-border fee' (1-3.5%), and remittance services like Wise, Remitly and Western Union charge their own fees and spreads. Use this calculator to find the fair benchmark, then compare your bank or remittance service's actual rate against it - the difference is your true cost of conversion.
Type the amount you want to convert.
Select the source currency (e.g. INR, USD, EUR, GBP, AED).
Select the target currency.
Read the converted value and the exchange rate used.
Tap swap to flip source and target instantly.
The calculator uses a public exchange-rate feed that updates throughout the day during forex market hours. Rates shown are mid-market - the average of the bid (buy) and ask (sell) prices that interbank dealers quote to each other. Major currency pairs (USD-INR, EUR-USD, GBP-USD) update every few minutes; less-traded pairs may have a slightly older quote.
Converted = Amount × (1 / SourceRate) × TargetRate
Most exchange-rate APIs publish all rates against a single base currency (typically USD or EUR). To convert from currency A to currency B, the calculator divides A's USD rate into the source amount to get the USD equivalent, then multiplies by B's USD rate. Mathematically equivalent to looking up the direct A-to-B rate, with the advantage that all currencies share a common base.
The mid-market rate is a benchmark, not the rate you'll get. Banks add a markup of 2-4% on outward remittance, credit cards add 1-3.5% cross-border markup plus 18% GST on the markup, and most retail forex cards have their own rate sheets. Wise typically prices closest to mid-market; airport forex counters are the most expensive (often 5-8% off mid-market).
Forex markets close from late Friday to early Monday IST - quotes during weekends are stale (last Friday close). RBI's reference rate is published once a day; this calculator uses live rates so the value differs slightly from RBI's daily reference.
1 USD ≈ ₹83.50 mid-market. ₹1,000 USD = ~₹83,500. If sent via SBI international transfer at a 3% markup, you'd receive about ₹81,005. The ₹2,495 difference is the bank's spread + fees. Wise or Remitly would typically charge ₹500-800, not ₹2,500.
1 EUR ≈ ₹89.60. Loading €2,000 onto a forex card at 2.5% markup ≈ ₹1,83,680 (vs mid-market ₹1,79,200). Saving ~₹4,500 by comparing 3 forex card providers and picking the lowest markup.
The mid-market rate - the average of bid and ask quotes that interbank dealers transact at. It's the same rate Google and XE show.
Banks add a markup (typically 2-4%) plus fees on currency conversions. Credit cards add a cross-border fee. Forex cards add their own markup. Mid-market is the benchmark, not the retail rate.
During forex market hours (Sunday 22:00 to Friday 22:00 IST), rates update every few minutes. Outside those hours, the last Friday close is shown.
Cash forex (currency notes) carries a higher spread than bank-to-bank transfers. Expect a 3-7% difference from mid-market for cash purchases at airports, hotels and forex counters.
Heavily-managed or restricted currencies (like Cuban Peso, North Korean Won, Iranian Rial) may not have reliable mid-market quotes. The calculator covers all major and most minor currencies.
No. The converter is free and runs in your browser. The only delay is the API call to fetch the latest rates, which is also free of charge to you.
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