When you convert money, the fee you see is rarely the full cost. Most banks and FX providers hide their real margin inside the exchange rate itself. Even a small spread can quietly cost you thousands over time.

This calculator shows you the true cost of a currency conversion by separating the benchmark mid-market rate from the rate you are actually getting. By entering the amount, the real market rate, the bank’s spread, and any fixed fees, you can see how much value is lost in the conversion.

The results show the effective exchange rate, total fees, and the real cost to you in the target currency. This makes it easier to compare banks, FX apps, and transfer services on equal terms.

If you have ever wondered why your transfer feels more expensive than expected, this calculator makes the hidden costs visible.

FX Hidden Cost Calculator
Enter the mid market rate and the spread your bank applies. Results update instantly.
Enter amount in the source currency.
Rate must be quoted as: 1 FROM = X TO.
Example: 1.50 means you lose 1.50% of the benchmark value.
Fees are assumed to be in the target currency.
Results
This is the spread cost plus fees, in the target currency.
Benchmark Value
N/A
Real Value Lost (Spread)
N/A
Fixed Fees
N/A
Effective Rate
N/A
Loss Percentage
N/A
TOTAL COST TO YOU
N/A
Cost = (Amount × Rate × Spread%) + Fees

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