Finance Tools

After-Fee Exchange Rate Calculator

Calculate your effective exchange rate after including a flat fee or percentage fee charged by a bank or service.

After-Fee Exchange Rate Calculator

Some providers charge explicit fees in addition to offering an exchange rate. This calculator estimates your effective exchange rate after accounting for flat and percentage-based fees.

The rate shown by your provider.
Enter the amount in your base currency.
A fixed fee charged in your base currency.
A fee charged as a percent of the amount (e.g., 1%).

How it works

We subtract flat and percentage fees from your exchange amount, then apply the offered rate. The effective exchange rate is calculated as: received value ÷ original amount.

FAQ

Do fees always reduce the effective exchange rate?
Yes. Fees reduce the amount that actually gets converted at the offered rate.

What if I only have a flat fee?
Leave percentage fee blank (or 0). The calculator works with either fee type.

How to use this after-fee exchange rate calculator

  1. Enter the offered exchange rate (provider rate).
  2. Enter the amount you want to exchange.
  3. Enter a flat fee and/or a percentage fee (if applicable).
  4. Click Calculate to see your effective exchange rate after fees.

Example

If your provider offers 1.05 but charges a $5 fee and a 1% fee, this tool estimates your effective rate:

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