Currency Converter (Static Rate Version)

Currency converter using a fixed exchange rate (no live rates)

A lot of people search for a currency converter when they already have a quoted exchange rate and just need a reliable way to turn it into a number they can act on. That situation shows up when you are paying an overseas invoice, checking what a card transaction will roughly cost, converting a salary or price list, or planning a purchase where the rate is fixed for the day. This calculator is designed for that single job: convert an amount from one currency into another using the exact rate you type in.

The core inputs are straightforward. Enter your “from” currency label (like USD), your “to” currency label (like ZAR), the amount in the “from” currency, and the exchange rate in the form “1 from equals how many to.” Press Convert and you get a gross converted amount. If you want something closer to what you will actually receive or be charged, open the Advanced section and add fees. Fees are common with banks, card processors, money transfer services, and payment gateways, and they can change the effective outcome even when the headline rate looks good.

The output is built for decision making, not just a single number. You see the gross conversion first, then (if you add fees) the net amount after fees, the fee amount in the target currency, and the effective rate after fees. That effective rate is what you should compare across providers because it rolls the “real” cost into a single number. This page intentionally does not fetch live rates or try to predict provider-specific pricing models. If you need live rates, this is not the right tool. Use it when you already have a rate and want consistent math.

Assumptions and how to use this calculator

• The exchange rate you enter is treated as fixed and correct for your situation. This tool does not verify it or pull live market rates.
• The rate is interpreted as: 1 unit of the “from” currency equals the rate value in the “to” currency.
• Optional fees are applied in the “to” currency and reduce the final (net) amount you end up with in the “to” currency.
• The percentage fee is calculated on the gross converted amount (in the “to” currency) before the fixed fee is subtracted.
• Rounding is shown to two decimals for readability. Some currencies have different minor units, so use exact provider statements if you need settlement precision.

Common questions

Why does this say “static rate” instead of giving me today’s rate?

Because the intent here is conversion using a rate you already have. Many real situations start with a quoted rate from a bank, a transfer service, an invoice, or a card estimate. A live-rate tool would introduce uncertainty, and you would still have to deal with fees and spreads. This calculator stays predictable: your rate in, your conversion out.

What if I only know the rate in the opposite direction?

This calculator expects “1 from = ? to.” If you have “1 to = ? from” instead, invert it before you enter it. For example, if 1 EUR = 1.10 USD and you want USD to EUR, use 1 / 1.10 = 0.9091 as the rate (rounded appropriately) for 1 USD in EUR.

Are fees applied in the correct place?

The fee model here is intentionally simple and common in practice: a percentage fee applied to the converted amount, plus an optional fixed fee, both expressed in the target currency. Some providers bake fees into the rate instead (spread). If your provider uses a worse rate rather than a visible fee, put that worse rate in the rate field and leave fees at zero.

What should I enter for currency labels?

Use short codes like USD, EUR, GBP, ZAR, or a clear label like “US Dollars.” The labels do not affect the math. They only control how results are displayed, so keep them short and unambiguous.

When is this calculator not a good fit?

If you need live exchange rates, historical charts, multi-currency baskets, or provider-specific pricing rules (tiered spreads, minimum fees, weekend markups), this is not the right tool. This page is locked to a single decision: convert an amount using one fixed rate and optionally subtract simple fees to estimate the net outcome.