Currency Converter

Convert an amount between two currencies using an exchange rate you enter yourself — no live rate lookups, works entirely offline.

From

Amount (USD)

Exchange Rate (1 USD = ? EUR)

Converted Amount

0.00

Rate Used

—

Inverse Rate

—

Why a Manual Rate?

You're in Control

Live exchange rates change every second and often don't match the rate your bank or supplier actually uses. Enter the exact rate you were quoted for an accurate result.

Converted Amount = Amount × Rate

100% Private

No external API calls, no data sent anywhere. Everything is calculated instantly in your browser.

Inverse Rate = 1 / Rate

How to use the Currency Converter

Choose the From and To currencies. The swap button reverses them and also inverts the rate, so a rate you have already typed stays correct.

Enter the amount in the From currency.

Enter the exchange rate as "1 unit of From = ? units of To", exactly as the field label reads it back to you. The converted amount, the rate you used and the inverse rate appear immediately; Copy puts all three on the clipboard.

Why it asks you for the rate

Most converters fetch a live mid-market rate, which is rarely the rate you actually get. The money that lands in your account is converted at your bank's or your payment provider's rate, which includes a spread, and it is that figure you need when you invoice a foreign customer, reconcile a payment or fill in a tax return. This tool takes the rate you were quoted and does the arithmetic with it: converted = amount × rate, inverse = 1 ÷ rate. Because nothing is fetched, the page works with no connection once it has loaded, and the rate you used is on the screen for you to record.

Worked example

A freelancer in Europe invoices a US client $1,250. The client pays through a platform that converts at 1 USD = 0.9160 EUR after its fee. Entering 1,250 and 0.9160 gives €1,145.00, and the inverse rate 1.0917. The mid-market rate that day was 0.9240, which would have shown €1,155.00. The €10.00 difference is the platform's margin; knowing it is the point of typing the real rate rather than looking one up. Swap the currencies and the tool now reads 1 EUR = 1.0917 USD, so €1,145.00 converts back to $1,250.00.

Common mistakes

Entering the rate the wrong way round. Banks often quote "EUR/USD 1.0917" meaning one euro buys 1.0917 dollars. If your From currency is USD, the rate you need is the inverse, 0.9160. Read the field label: it always states which currency is the "1".

Using the mid-market rate for accounting. Books should carry the rate actually applied to the transaction, or the rate your tax authority prescribes for that date, not the headline rate from a news site.

Rounding the rate first. 0.92 instead of 0.9160 changes €1,145.00 into €1,150.00. Enter the rate to four decimals if you have them.

Sending the converted figure as the invoice total. Invoice in one currency, state the rate and date if you show a second currency for information, and let the payer's bank do the conversion; otherwise you carry the exchange risk.

When this converter is the wrong tool

It converts one amount at one rate you supply. If you need today's market rate, a currency you cannot find in the list (the list is only labels; you can pick any pair and treat the symbol as a placeholder), or a batch of conversions at historical rates for a tax return, you need a data source rather than a calculator. For working out a price in your own currency that leaves a target margin after conversion, convert the cost here first and then use the Profit Margin & Markup Calculator.

Good to know

No rate is stored between visits and nothing is sent anywhere. The result is displayed to two decimals; the inverse rate to four. If you convert a figure and then convert it back, small differences in the last cent come from that display rounding, not from the arithmetic.

Frequently Asked Questions

How can I convert currency using my own exchange rate instead of a live rate?

The Currency Converter lets you type in the exact rate you were quoted by your bank or supplier, then converts your amount instantly — useful when the live market rate doesn't match what you were actually charged.

Is there a free currency converter that works without an internet connection?

Yes — because it uses a rate you enter manually rather than fetching live rates from an API, the calculator works entirely offline once the page is loaded.

How do I find the inverse exchange rate?

The tool automatically calculates and displays the inverse rate (e.g. if 1 USD = 0.92 EUR, it also shows 1 EUR = 1.087 USD) alongside your converted amount.