Travel & Practical
Currency Budget Calculator
Enter home budget and the rate (local per 1 home) to see local spending power.
How much local currency is my budget?
Holiday cash planning is clearer in local currency. Enter your home-currency budget and the exchange rate you actually get — local units per one home unit — to see spending power on the ground. Optionally subtract what you have already spent at home (flights paid, deposits) to see remaining local funds. Card mark-ups and airport booths often worsen the rate, so use a realistic figure rather than the mid-market headline. Structure the whole trip pot with holiday budget and pace daily spend once you land.
Worked example
£1,500 × 1.18 = 1,770 local units. If £200 is already spent at home, 1,300 × 1.18 = 1,534 local remaining.
Limits and assumptions
User-entered rate only — not a live FX API. Fees and dynamic currency conversion are outside the multiply.
Frequently asked questions
Which way round is the rate?
Enter how many local currency units you receive for 1 unit of home currency (e.g. euros per pound).
Should I use cash or card rate?
Use the worse realistic rate you expect to pay, including typical card FX fees if relevant.
Multiple currencies?
Run once per currency leg, or convert everything into the main local unit first.
Does this replace a holiday budget?
No — it converts a pot; line-item planning belongs on the holiday budget tool.