Are the exchange rates live?

They come from a public exchange-rate API and are refreshed when the page loads, then cached for roughly an hour. They are recent reference rates, not real-time trading quotes, so they may lag the live market slightly.

Why might the rate differ from what my bank gives me?

These are mid-market reference rates with no fees applied. Banks and exchanges add a spread or commission, so the rate you actually receive on a transaction is usually a little worse than the figure shown here.

How are two non-dollar currencies converted?

All rates are quoted against the US dollar, so converting between, say, EUR and JPY uses a cross-rate: the target currency’s USD rate divided by the source currency’s USD rate. No separate direct rate is needed.

What if the rates fail to load?

If the rates feed is unreachable the tool shows an error instead of a result, because it has no figures to convert with. Reloading once the connection is restored fetches a fresh set of rates.

Currency Calculator

Amount

From

Converted Amount88.01 EUR

Exchange Rate1 USD = 0.8801 EUR

This currency converter turns an amount in one currency into another using live exchange rates pulled from a public rates feed (open.er-api.com) keyed to a US-dollar base. Because every rate is expressed against the dollar, converting between any two currencies is a simple cross-rate: divide the target rate by the source rate. The displayed rates are fetched on load and cached for about an hour, so they reflect a recent snapshot rather than tick-by-tick trading prices.

Formula

rate = toRate / fromRate; converted = amount × rate

fromRate: Units of the source currency per 1 USD
toRate: Units of the target currency per 1 USD
rate: Cross exchange rate from source to target currency
amount: Quantity of the source currency being converted

How it works

On load the tool fetches the latest USD-based rates and fills the From and To dropdowns with every available currency code.
Enter an amount and pick the source and target currencies. The cross-rate is the target’s USD rate divided by the source’s USD rate, since both are quoted against the dollar.
The amount is multiplied by that cross-rate to give the converted value, and the per-unit exchange rate is shown to four decimal places.

Worked example

Converting 100 USD to EUR when the feed quotes 1 USD = 1 USD and 1 USD = 0.92 EUR.

Cross-rate: toRate ÷ fromRate = 0.92 ÷ 1 = 0.92 EUR per USD.
Converted amount: 100 × 0.92 = 92.

100 USD converts to 92.00 EUR at an exchange rate of 1 USD = 0.9200 EUR.

Frequently asked questions

Are the exchange rates live?: They come from a public exchange-rate API and are refreshed when the page loads, then cached for roughly an hour. They are recent reference rates, not real-time trading quotes, so they may lag the live market slightly.
Why might the rate differ from what my bank gives me?: These are mid-market reference rates with no fees applied. Banks and exchanges add a spread or commission, so the rate you actually receive on a transaction is usually a little worse than the figure shown here.
How are two non-dollar currencies converted?: All rates are quoted against the US dollar, so converting between, say, EUR and JPY uses a cross-rate: the target currency’s USD rate divided by the source currency’s USD rate. No separate direct rate is needed.
What if the rates fail to load?: If the rates feed is unreachable the tool shows an error instead of a result, because it has no figures to convert with. Reloading once the connection is restored fetches a fresh set of rates.

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