Currency Converter for Invoices (Estimate)
Estimate what a cross-border invoice is really worth after the rate and the fees.
Estimate, not live FX. This converter does not fetch live exchange rates — you enter the rate yourself, so the result is a planning estimate, not a trading quote. That is the honest way to use it: check your bank or payment provider’s current rate, enter it here, and see what the invoice is worth after conversion. The number that matters is not the converted headline amount but what actually lands in your account, because conversion fees and payment-provider cuts come off the top. This calculator multiplies your invoice amount by the rate, subtracts the fee you enter, and shows the net received, so you can decide whether to invoice in the client’s currency, in your own currency, or to add a small buffer for rate movement. For large invoices, confirm the rate and fee with your provider before sending — a single percent of movement on a five-figure invoice is real money. All calculations run in your browser and nothing is stored.
Your numbers
Your conversion
Estimate, not live FX. Confirm the rate and fee with your bank or payment provider before invoicing.
Recommended tools
International payment tools we are reviewing. No recommendation yet — placeholder for vetted picks only.
How to use the result
- Compare the net received across providers — the cheapest headline rate is not always the cheapest after fees.
- If the fee eats more than a couple of percent, consider invoicing in your own currency and letting the client handle conversion.
- For recurring cross-border clients, agree the rate source and date in the contract so neither side is surprised.
Frequently asked questions
Where do I get the exchange rate?
From your bank or payment provider’s current quote, or a reputable public rate source. Enter that number here — this tool does not fetch a live rate.
What fee should I enter?
Your provider’s conversion spread plus any flat transfer fee, expressed as a percent. If the provider charges a flat fee, divide it by the converted amount to get the percent.
Should I invoice in my currency or the client’s?
Invoicing in your currency moves the conversion risk to the client; invoicing in theirs moves it to you. Use this estimate to price the risk either way.