Currency Converter
Convert an amount from one currency to another using a simple exchange rate.
Formula last reviewed 4 August 2026 · How we verify our calculators
Converted amount
- Rate used
- 84
Updates live as you type
Frequently asked questions
Multiply the amount by the exchange rate, expressed as target-currency units per one source unit. At 83.5 INR per USD, 100 USD = 8,350 INR.
Enter the current rate from a bank or finance site. Rates move constantly, so use a recent figure for accuracy.
Banks and card networks add a margin or markup over the mid-market rate, plus possible fees, so you typically receive slightly less than the raw conversion suggests.
Use the inverse rate. If 1 USD = 83.5 INR, then 1 INR = 1 ÷ 83.5 ≈ 0.012 USD — enter that as the rate to go from INR to USD.
A hundred at 83.5
Converting 100 units at a rate of 83.5 gives 8,350.
Converted amount = amount × rate
The arithmetic is trivial. What makes currency conversion worth a page is that the rate you get is never the rate you look up, and the gap is larger and more varied than most people realise.
The rate you see versus the rate you get
The figure quoted on a search engine or financial site is the mid-market rate — the midpoint between what buyers are bidding and sellers are asking in the interbank market. Nobody transacting retail receives it.
What you actually pay depends on the channel:
Bank card abroad — typically the network rate (Visa or Mastercard) plus a foreign currency markup of 2–3.5%, plus GST on that markup. Some travel-focused cards waive the markup.
ATM withdrawal abroad — the markup plus a flat withdrawal fee of ₹100–₹500 per transaction, plus whatever the local ATM operator charges. Small frequent withdrawals are expensive.
Airport exchange counters — the worst rates available, commonly 5–10% from mid-market, because they are pricing captivity rather than competing.
Forex cards — the rate is locked when loaded, which removes subsequent exchange risk and is usually better than card markup, with reload and unused-balance charges to check.
Bank wire transfer — a spread on the rate plus a flat fee, and often intermediary bank charges deducted en route that neither sender nor recipient sees coming.
Dynamic currency conversion
The single most avoidable cost in international travel. When a foreign terminal asks whether you would like to be charged in rupees instead of the local currency, decline.
Accepting means the merchant's payment processor performs the conversion at a rate they set, typically 3–7% worse than your card network's. It is presented as a convenience and is, in practice, a fee for choosing it. Always pay in the local currency and let your card network convert.
Indian regulations worth knowing
TCS on foreign remittance. Tax collected at source applies to outward remittances under the Liberalised Remittance Scheme above an annual threshold, at rates that differ for education, medical treatment and other purposes. It is creditable against your income tax, not an additional cost, but it affects cash flow considerably on large transfers.
The LRS limit caps outward remittance by a resident individual at USD 250,000 per financial year across all purposes.
Declaration requirements apply to carrying currency above specified limits in either direction.
Reading the result
The result reflects the rate you entered, so its accuracy depends entirely on using a realistic rate rather than the mid-market figure.
A practical approach: look up the mid-market rate, then add 2–3% for card spending, more for cash exchange, to estimate what you will actually pay. For a large transfer, compare the total received across two or three providers rather than the advertised rate, since fee structures differ enough to reverse the ranking.
Rates move continuously during market hours and are effectively static at weekends, when providers typically widen spreads to cover the risk of holding positions over a closed market.
Common mistakes
Budgeting at the mid-market rate. You will not receive it.
Accepting dynamic currency conversion. It costs 3–7% for nothing.
Exchanging at the airport. The worst rates available.
Making many small ATM withdrawals. Flat fees dominate.
Comparing advertised rates rather than final amounts. Fees differ more than rates.