Currency Converter
Convert 150+ currencies with live exchange rates.
Convert any amount between 150+ world currencies using live mid-market exchange rates fetched from open.er-api.com. Rates are cached locally so the tool keeps working offline.
How Currency Exchange Rates Work
What is the mid-market rate?
The mid-market rate (also called the interbank rate) is the midpoint between the buy and sell prices of two currencies on the global forex market. Banks and exchange services add a markup (spread) on top of this rate — so the rate you see here is the fairest benchmark, not what you'll get at an airport kiosk. For large transfers, compare providers using the mid-market rate as your reference.
Common use cases
Travelers use currency conversion to budget trips and compare prices abroad. Online shoppers check rates before buying from foreign stores to understand true costs after conversion. Freelancers and remote workers receiving international payments use it to track effective earnings. Small businesses use it for invoicing international clients and forecasting foreign-currency expenses.
How often do rates change?
Forex rates fluctuate continuously during weekday trading hours. This tool refreshes rates from the API once per hour and caches them in your browser for offline use — the 'Rates as of' card shows when the data was last fetched. For large financial transactions, always confirm the final rate with your bank or payment provider at the time of transfer.
Target = Amount × (Target rate / Base rate) Common conversions at current rate
| Amount | In USD | Converted | Rate used |
|---|---|---|---|
| 1 unit | 1 | — | — |
| 5 units | 5 | — | — |
| 10 units | 10 | — | — |
| 50 units | 50 | — | — |
| 100 units | 100 | — | — |
| 500 units | 500 | — | — |
| 1,000 units | 1,000 | — | — |
Frequently Asked Questions
How current are the exchange rates?
Rates are fetched from open.er-api.com and updated roughly every hour. The 'Rates as of' result card shows the exact timestamp. If you're offline, the tool falls back to the last cached rates stored in your browser.
Why is the rate different from what my bank offers?
This tool shows the mid-market rate — the fairest, unbiased benchmark. Banks, currency exchange desks, and payment apps add a profit margin (spread) on top, which is why the actual rate you receive is slightly worse. The spread can range from under 1% at online transfer services to 5% or more at airport kiosks.
Does this tool work without an internet connection?
Yes. The first time you use it, rates are fetched and saved in your browser's localStorage. On subsequent visits — even offline — the tool loads those cached rates and shows you the original fetch date so you know how fresh the data is.
How do I convert in the opposite direction?
Click the Swap button between the two currency dropdowns. It instantly exchanges the From and To currencies and recalculates. The Inverse Rate card also always shows the reverse rate — for example, if you're converting USD to EUR, the inverse shows how many USD one EUR buys.
Which currencies are supported?
The tool covers 150+ currencies including all major world currencies (USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY), regional currencies across Asia, Africa, Latin America, and Europe, plus widely used Gulf and Middle Eastern currencies. If a specific currency is missing from the dropdown, it may not be available in the free-tier API feed.
What is the formula for currency conversion?
Target Amount = Input Amount × (Target Currency Rate / Base Currency Rate). Both rates are expressed relative to USD (the API base). For example, converting 100 GBP to JPY: find the USD rate for GBP and JPY, then calculate 100 × (JPY rate / GBP rate).