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Two currencies · dated ECB reference rates

Travel budget calculator

Daily costs happen in the destination currency, flights and insurance in yours. This keeps the two apart and converts only at the end, on a rate whose date is on screen.

Two currenciesDated ECB ratesPer person, per dayNo account

Split the trip into on-site and fixed costs

Daily amounts in the destination currency, fixed costs in yours.

Per day, per group — in the destination currency

Daily spend—
On-site total—
Fixed costs—
Trip total—
Per traveller—
Rate used—

ECB reference rates are a mid-market reference, not the rate your card will give you — banks and cards add their own margin.

How it works

  1. Accommodation, food, local transport and activities are entered per day in the destination currency, added, then multiplied by the number of days.
  2. The contingency slider adds a percentage to that on-site subtotal — 10% by default, because trips overrun.
  3. Only the on-site subtotal is converted, using the cross-rate from the ECB reference table. Flights and insurance are already in your currency and are added afterwards.
  4. The page ships with a dated ECB snapshot and tries to refresh from the open frankfurter.dev feed; whichever it used is printed with its date.

What it will never do

  • It is not a quote. Card and bank margins of 1–4% are not in these numbers, and the ECB rate is a mid-market reference.
  • It has no price database — every figure here is one you typed. It does not guess what a hotel in a city costs.
  • Nothing is saved or sent. Reload and the trip is gone.

Questions

Which rate does it convert with?

The European Central Bank reference rate, fetched from the open frankfurter.dev feed with a dated snapshot as fallback. The rate, its date and which source was used are shown in the last result box.

Why keep the two currencies apart?

Because mixing them is where travel budgets go wrong. Hotel and food are spent in the destination currency and are exposed to rate moves; a flight you already paid at home is not.

Is 10% contingency the right buffer?

It is only a starting point that you can set anywhere from 0 to 30%. Long trips and unfamiliar destinations usually want more.

Want to track the real spend while you are there?

G+Money Lite is optional — this free tool runs entirely in your browser and works without it. Check the app’s current App Store listing for exact features, pricing and availability before downloading.

View G+Money Lite on the App Store