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One honest picture of everything you own

HyWorth adds up every account, property and pension you have, in any of thirty currencies, converted with the rate shown. You then plan your life choices on that one number.

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© 2026 HyWorth. All rights reserved.HyWorth is a product of Hy-Lev SA, a company in the canton of Vaud, Switzerland. Company register: CHE-147.726.731HyWorth is a financial tracking and education tool. It does not provide investment, tax, or legal advice, and is not regulated by FINMA (Switzerland), the Canadian Securities Administrators or any provincial securities regulator (Canada), the U.S. SEC, FINRA, or state securities or insurance authorities (United States), or other financial authorities. Consult a qualified, licensed advisor before making financial decisions.
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FX fee / spread checker

Compare a quoted exchange rate with the mid-market rate, and see how much the difference costs you as a percentage and in cash.

How to use this calculator
  1. Pick the currency you're converting from and the currency you're converting to.
  2. Enter either the rate your provider quoted you, or the amounts (what you sent and what arrived).
  3. Compare your rate with the mid-market rate. The difference shows how much less or more receiving currency you get at the rate entered.
  4. Use the reference ranges for context, then check the provider's terms for your actual amount and currency pair.
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USD

Result

The mid-market rate is loading, so the cost is not worked out yet.

Typical published markups (reference)

These published pricing ranges give context for comparing currency-conversion costs. They do not recommend a provider or guarantee the price of your transfer.

Provider categoryTypical markup
Specialist transfer servicese.g. dedicated money-transfer services such as Wise (published, amount-tiered pricing)~0.3–0.6%
Fintech cards & appse.g. app-based cards such as Revolut — weekend and out-of-plan conversions are often surcharged~0–1%
Traditional banksRetail bank card payments and international transfers~2–4%

These are approximate ranges from published pricing. Your plan, transfer size, currency pair and timing can change the actual cost, so check the provider's current terms. Naming providers here is factual illustration, not an endorsement.

The mid-market rate comes from market data for a given date, so it can differ from the rate at the moment of your transfer. Separate fees and provider terms can change the total cost. This comparison is information only and does not recommend a provider.