TopToolsAiCalculate the total fee (percentage plus any flat charge) on a money transfer or currency exchange, and see exactly how much the recipient will actually get. Sending $1,000 through a service charging a 2% fee plus a flat $5 charge costs $25 in total, leaving the recipient with $975 after conversion — small percentage differences add up fast on larger transfers.
Last updated: 1 Sep 2026
How to use Currency Exchange Fee Calculator
- Enter the amount you're sending or converting.
- Enter the percentage fee your provider charges, plus any flat fee.
- Click "Calculate" to see the total fee and how much you'll actually receive.
Frequently asked questions
Is the fee percentage the same for every provider?
No — fees vary widely between banks, money transfer services and exchanges. Check your specific provider's rate and enter it here.
What's a flat fee vs a percentage fee?
A flat fee is a fixed charge regardless of amount; a percentage fee scales with how much you send. Many providers charge both.
Does this include the exchange rate markup?
No — this calculates the stated fee only. Many providers also add a hidden margin to the exchange rate itself, which isn't captured here — compare the final received amount across providers for the real cost.
How can I find the cheapest way to send money?
Compare the total cost (fees + rate markup) across a few providers for the same amount — the one advertising "no fee" isn't always cheapest if its exchange rate is worse.
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