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function calculateExchange() {
// 1. Get Input Values
var sourceAmount = document.getElementById('sourceAmount').value;
var exchangeRate = document.getElementById('exchangeRate').value;
var feePercentage = document.getElementById('feePercentage').value;
var flatFee = document.getElementById('flatFee').value;
// 2. Validate Inputs
if (sourceAmount === "" || exchangeRate === "") {
alert("Please enter both the Amount to Convert and the Exchange Rate.");
return;
}
// Parse values to floats
var amount = parseFloat(sourceAmount);
var rate = parseFloat(exchangeRate);
var pctFee = parseFloat(feePercentage);
var fixedFee = parseFloat(flatFee);
// Handle NaN for optional fees (treat as 0 if empty)
if (isNaN(pctFee)) pctFee = 0;
if (isNaN(fixedFee)) fixedFee = 0;
// 3. Perform Calculations
// Calculate the fee derived from percentage
var calculatedPctFee = amount * (pctFee / 100);
// Total Fees in Source Currency
var totalFees = calculatedPctFee + fixedFee;
// Net Amount (Amount remaining to be converted)
var netSourceAmount = amount – totalFees;
// Check if fees exceed amount
if (netSourceAmount 0) {
effectiveRate = finalAmount / amount;
}
// 4. Update the DOM with Results
document.getElementById('displayOriginal').innerHTML = amount.toFixed(2);
document.getElementById('displayPercentFee').innerHTML = "- " + calculatedPctFee.toFixed(2);
document.getElementById('displayFlatFee').innerHTML = "- " + fixedFee.toFixed(2);
document.getElementById('displayTotalFees').innerHTML = "- " + totalFees.toFixed(2);
document.getElementById('displayNetSource').innerHTML = netSourceAmount.toFixed(2);
document.getElementById('displayRate').innerHTML = rate.toFixed(4); // Rates usually need 4 decimals
document.getElementById('finalTargetAmount').innerHTML = finalAmount.toFixed(2);
// Update Effective Rate
document.getElementById('displayEffectiveRate').innerHTML = effectiveRate.toFixed(6);
// Show Result Box
document.getElementById('resultBox').style.display = "block";
}
Manual Currency Exchange Calculator
Calculate conversions, deduct transfer fees, and determine your effective exchange rate.
The total amount you possess in your local currency.
How much of the Target Currency you get for 1 Unit of Source Currency.
Percentage deducted by the provider.
Fixed cost charged per transaction (Source Currency).
Final Amount: –
Original Amount:
–
Percentage Fee Deduction:
–
Fixed Fee Deduction:
–
Total Fees:
–
Amount After Fees (Converted):
–
Applied Exchange Rate:
–
Effective Exchange Rate: –
(The real rate you got after paying all fees)
(The real rate you got after paying all fees)
How to Calculate Currency Exchange Manually
Converting currency isn't always as simple as multiplying amount by rate. To get an accurate figure of how much foreign currency you will actually receive, you must account for the "spread" (the difference between the market rate and the rate offered) and any explicit fees charged by banks or exchange bureaus.
This Manual Exchange Rate Calculator helps you audit quotes from transfer services by breaking down the costs. It follows the standard financial logic used in international remittance:
The Calculation Logic
To understand where your money goes, we use the following formula steps:
- 1. Calculate Total Fees: First, we determine the cost of the transfer. This is the sum of the fixed flat fee plus the percentage commission (calculated on your source amount).
- 2. Determine Net Amount: We subtract the total fees from your original Source Amount. This is the actual money available for conversion.
- 3. Apply Exchange Rate: We multiply the Net Amount by the provided Exchange Rate to find the Final Target Amount.
What is the "Effective Exchange Rate"?
You may notice the "Effective Exchange Rate" in the results above. This is arguably the most important metric. While a bank might advertise a "Zero Commission" trade, they often offer a poor exchange rate to hide their profit. Conversely, a service might offer a great rate but charge high fees.
The Effective Rate is calculated by dividing the Final Amount Received by your Original Source Amount. It represents the true value you are getting for every unit of currency you send, inclusive of all costs.