Currency Calculator — Calculations & Slabs for FY 2026-27

Our calculator uses realistic mid-market rates as a starting point. Since it runs entirely in your browser without external APIs, it provides a stable benchmark. If your bank or credit card uses a different rate, you can edit the exchange rate directly in the input box to match yours.

The mid-market rate (also called the interbank rate) is the midpoint between the buy and sell prices of two currencies on the global markets. Banks use this to trade with each other. Retail consumers usually pay a markup on top of this rate.

Most credit card companies, PayPal, and travel kiosks add a percentage fee (spread) to the mid-market exchange rate. This markup covers their operational costs and profit margin, which is why airport exchange rates are usually more expensive.

Yes. If your credit card charges a 3% foreign transaction fee, you can calculate the base conversion here and multiply by 1.03. Alternatively, type your card's exact exchange rate into our custom rate field to see the precise final amount.

Yes. It runs entirely client-side inside your web browser. You do not need a cell signal or an internet connection to run conversions while traveling, making it ideal for checking prices abroad without roaming data.