Multi-Currency Invoice Converter
Convert with real mid-market rates. See hidden processor fees. Calculate tax before you quote.
Most freelancers lose 3–7% on cross-border payments without realizing it.
Invoice Details
Adds estimated consumption tax to quote
About the Multi-Currency Invoice Converter
Convert invoice amounts with real mid-market exchange rates. See hidden PayPal, Stripe, and Wise fees. Calculate VAT/GST for international clients.
What you can do with it
- Live exchange rates
- Processor fee comparison
- VAT/GST estimator
- Cross-border compliance tips
Frequently asked questions
How much do currency conversion fees eat into my freelance income?
Card networks (Visa/Mastercard) add 2.5–3.5% on foreign-currency transactions, and PayPal adds ~3–4% on international commercial payments on top. On $20k of cross-border work that's $600–$1,400 a year. Using a business account with mid-market rates (Wise, Mercury) typically cuts the total to under 1%.
Should I invoice in my currency or my client's currency?
Invoice in your currency and let the client handle conversion — you keep control of the rate and avoid FX risk. If the client insists on their currency, fix the amount and price in a way that assumes no re-invoicing on rate movement. For ongoing retainers, revisit the conversion at each renewal.
Do I need to charge VAT or GST to international clients?
Usually not for B2B services: most VAT/GST systems use the reverse-charge rule, where the client accounts for tax in their own country. For B2C customers, you may owe VAT in their country (EU OSS rules for digital services, for example). This estimator shows the typical treatment by region — confirm with a tax advisor for your specific setup.
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How much do currency conversion fees eat into my freelance income?
Card networks (Visa/Mastercard) add 2.5–3.5% on foreign-currency transactions, and PayPal adds ~3–4% on international commercial payments on top. On $20k of cross-border work that's $600–$1,400 a year. Using a business account with mid-market rates (Wise, Mercury) typically cuts the total to under 1%.
Should I invoice in my currency or my client's currency?
Invoice in your currency and let the client handle conversion — you keep control of the rate and avoid FX risk. If the client insists on their currency, fix the amount and price in a way that assumes no re-invoicing on rate movement. For ongoing retainers, revisit the conversion at each renewal.
Do I need to charge VAT or GST to international clients?
Usually not for B2B services: most VAT/GST systems use the reverse-charge rule, where the client accounts for tax in their own country. For B2C customers, you may owe VAT in their country (EU OSS rules for digital services, for example). This estimator shows the typical treatment by region — confirm with a tax advisor for your specific setup.
Explore the rest of the toolkit in the free tools directory, or read practical guides in the blog.