Currency Profit Calculator
Find out whether a currency exchange made or lost money once costs are included. Enter the amount of foreign currency, the rate at which you bought it and the rate at which you sold or could sell it, both in your home currency per unit, plus the spread or commission and any fixed fees. The calculator shows the cost, the proceeds, the result in money and percent, the costs paid and the sell rate you need just to break even.
- Runs in your browser
- No sign-up
- Free to use
Charged on each exchange.
Enter rates in your home currency per unit of the foreign currency. Not investment advice.
How to use Currency Profit Calculator
- Enter the foreign amount.
- Enter the buy and sell rates.
- Add the spread and fees.
- Read the result and break-even rate.
Currency Profit Calculator features
Spread included
On both exchanges.
Fixed fees
Transfer or card fees.
Break-even rate
Minimum sell rate.
Percent result
Return on the money exchanged.
Formula shown
Every result explains how it was calculated.
Any currency
Choose from 30+ currencies; amounts are formatted for it.
When to use Currency Profit Calculator
- Travel money left over after a trip.
- Comparing exchange services.
- Business payments in foreign currency.
- Small currency holdings.
Currency Profit Calculator FAQ
Which rate format should I use?
Home currency per unit of the foreign currency, for example 1.0850 dollars per euro if your home currency is the dollar.
Why can a better rate still lose money?
Spreads and fees on both exchanges can exceed the rate change.
Does it fetch live rates?
No. Enter the rates you were offered; use the Currency Converter for current reference rates.
Is this trading advice?
No.
What is the spread?
The difference between the rate at which an exchange office or bank buys and sells a currency. It is a cost even when no fee is shown.
The hidden cost of exchanging money
Exchange services earn on the spread – the difference between the rate they buy at and the rate they sell at – plus fixed fees. Exchanging money back and forth pays that spread twice.
The break-even rate shows how far the exchange rate must move before an exchange round trip makes any money at all.
Example: buying 1,000 dollars at 110 and selling at 112 looks like a profit of 2,000 in your currency. A 1% fee on each exchange (1,100 on the purchase and 1,120 on the sale) turns it into a loss of 220. Spreads and fees often decide the result more than the rate change itself.
Exchange rates change constantly, and this calculator only works out the result of the rates and costs you enter. It is not investment advice; currency trading carries a real risk of loss, and gains may be taxable.