Currency Converter

Convert currency with live exchange rates

Whether you're planning a trip abroad, comparing prices from an international store, or checking how much a foreign salary equals in your home currency, you need a reliable currency converter. This free tool converts between 160+ world currencies using live mid-market exchange rates — updated daily and cached locally so repeat visits stay fast.

What is a mid-market exchange rate?

The mid-market rate is the midpoint between the buy and sell prices in global currency markets — often called the "real" or interbank rate. It's the fairest reference point for comparing conversions. Banks, card issuers and money-transfer services usually add a margin or fee on top, so the rate you actually receive may be slightly different from what this calculator shows.

Popular currency conversions

Some of the most searched conversions include USD to EUR, GBP to USD, EUR to GBP, USD to JPY, USD to CAD and USD to INR. Select any pair from the dropdowns, enter an amount, and the converted value and exchange rate appear instantly. Use the swap button to reverse the direction without re-entering anything.

Currency converter for travel and online shopping

Before you book a hotel, buy from an overseas retailer, or set a budget for your vacation, convert prices into your home currency to know exactly what you're spending. The quick-conversions sidebar shows popular equivalents at a glance — click any row to apply that currency and copy the result.

Where do the rates come from?

Exchange rates are provided by ExchangeRate-API via their free open-access endpoint. Rates refresh once per day; the page displays when they were last updated and stores them in your browser until the next scheduled update. Amounts you type never leave your device — only the public rate data is fetched.

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How currency conversion is calculated

ExchangeRate-API publishes rates relative to a single base currency (USD). Each currency code has a number telling you how many units of that currency equal one US dollar. To convert between any two currencies, the tool uses cross-rates — you do not need USD in the middle manually:

converted amount = amount × (rate_to ÷ rate_from)

Example: if 1 USD = 0.92 EUR and 1 USD = 0.79 GBP, then converting €100 to GBP is 100 × (0.79 ÷ 0.92) ≈ £85.87. The ratio of the two rates cancels out the US dollar and gives the direct conversion factor.

The rate shown below the result (e.g. "1 USD = 0.9200 EUR") is that ratio for a single unit, so you can sanity-check the maths or quote the rate in conversation.

Worked examples

Common mistakes to watch for

• Expecting the mid-market rate at an ATM or bank. This tool shows the midpoint between global buy and sell prices. Retail providers add a margin — sometimes 2–4% for cards, more for airport kiosks. Budget extra when converting cash.
• Ignoring card foreign-transaction fees. Some issuers charge a flat 1–3% on top of their own exchange rate. A favourable mid-market conversion on paper can still cost more at checkout.
• Using stale rates for large decisions. Rates update daily here. For a quick travel estimate that is fine; for locking in a six-figure transfer, check a live quote from your bank or broker the same day.
• Confusing this with the loan calculator's currency menu. The loan tool's currency selector only changes formatting ($ vs € symbols). It never multiplies by an exchange rate. Actual currency conversion always belongs here.

When to use this converter

Use it when money crosses borders — travel budgeting, comparing international prices, understanding foreign invoices, or checking whether a overseas salary offer competes with local pay. It is built for currency pairs and live rates, not for physical units (kg, miles) or loan payments.

For measurement conversions, use the Unit Converter. For percentage mark-ups or discounts on a price you have already converted, use the Percentage Calculator. For scheduling calls across time zones after you know the cost, pair this with the Time Zone Converter.

This is one of many free browser tools on Uzetool — explore more tools as we add them.