Enrichment · Passion Projects · Travel

Euros, pounds,
one total.

List what the trip costs in whatever currency you pay it in. Type the rates once; the converter adds the card fee and shows the trip in your own money.

Convert my tripWhat you get

The multi-currency trip expense converter

The worked example is a week in Lisbon, Porto and London paid by a card with a 3 percent fee. Nothing you type leaves this browser.

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What you get

Enrichment · Passion ProjectsFree

What you finish with
Every expense in your home currency, the card fees, totals by currency with their shares, and the trip total. It prints as a budget sheet and downloads as a spreadsheet.
Who it is for
Travelers budgeting a trip across borders, students on a semester abroad, and families splitting costs after a trip.
Format
Browser converter for a phone, tablet or computer, by touch or keyboard. Prints a summary; downloads a spreadsheet (.csv); export and import a file.
Access
Free. No account, no sign-in and nothing to install. Everything you type stays in this browser; nothing is sent to Caveat.
Where it lives
The Passion Projects space in Caveat Enrichment.
Support
Questions, a correction or a request: team@caveatacademic.com.

How to use it

  1. Set the home currency.
  2. Type the card’s fee.
  3. List each expense.
  4. Type today’s rate for each currency.
  5. Compare with the statement after.

Convert my trip

How the conversion works

Your rate, your fee, your total.

The worked example: Lisbon, Porto and LondonEuros€413× 1.08Pounds£218× 1.27Card fee$21.693% on bothTrip total$808.59with $64 insuranceThe worked example: Lisbon, Porto and LondonEuros€413× 1.08Pounds£218× 1.27Card fee$21.693% on bothTrip total$808.59with $64 insurance
Each amount is multiplied by its rate into the home currency; the card fee is added on foreign-currency spending only.

Rates you type

A rate here is how much of your home currency one unit of the other currency costs: 1.08 dollars for a euro, for example. Banks and cards add a margin to the market rate, so use the rate your bank shows, or the market rate plus a percent or two to be safe. This page fetches nothing, so it works offline too.

Fees and the till

Many cards charge a foreign transaction fee of up to 3 percent on purchases in another currency; travel cards often charge none. When a card machine abroad offers to charge you in your home currency, the conversion it uses is usually worse than your bank’s. Choose the local currency.

Sources

  1. Consumer Financial Protection Bureau. What is a foreign transaction fee? (consumerfinance.gov).
  2. Consumer Financial Protection Bureau. Using credit and debit cards abroad, and dynamic currency conversion (consumerfinance.gov).
  3. U.S. Department of State. Money and travel: before you go (travel.state.gov).
  4. Board of Governors of the Federal Reserve System. Foreign exchange rates, H.10 release (federalreserve.gov).

Rates are what you type; the example rates are illustrative. Your card issuer sets its fees and rates. Your entries stay in this browser. Support: team@caveatacademic.com.