Money & Travel Calculators
Free money and travel calculators: trip budget, tipping by country, exchange-rate fees, remittance costs, cost-of-living comparison, daily travel budget, salary abroad, multi-currency bill splitting, cash vs card, city taxes and duty-free allowances.
Managing money on the move is the everyday reality of expat and travel life — settling a bill in a foreign currency, sending money home, comparing a job offer abroad, or budgeting a trip before you book. The Money & Travel Calculators hub brings together the financial sums travellers and expats reach for most often, each running entirely in your browser with no sign-up and no data stored.
Each calculator has its own page with a clear explanation of the method, sensible default values, and answers to common questions. The supporting guides go deeper into the concepts — how exchange-rate markups hide fees, how tipping customs differ by country, how remittance fees are structured, and how cost-of-living indices are built. The results are estimates for planning; exchange rates, tax rules and customs allowances vary by country and over time, so confirm the numbers with your provider or the relevant authority before acting.
Calculators
- Trip Budget CalculatorEstimate the total cost of a trip: flights, accommodation, daily spending and extras. Enter nights, daily budget and one-off costs to see your full travel budget in any currency.
- Tipping Calculator by CountryCalculate the right tip for your destination. Pick a country to load its typical tipping rate, enter the bill and group size, and see the tip, total and each person’s share.
- Exchange Rate Fee CalculatorReveal the hidden cost of an exchange-rate markup. Enter the mid-market rate, your provider’s rate and the amount to see the fee you are really paying.
- Remittance Cost CalculatorSee the true cost of sending money abroad. Enter the send amount, transfer fee and exchange-rate markup to find what your recipient receives and the total cost.
- Cost of Living Comparison CalculatorCompare the cost of living between two cities. Enter your salary and each city’s cost-of-living index to see the equivalent salary needed to maintain your standard of living.
- Daily Travel Budget CalculatorBuild a daily travel budget across food, lodging, transport, activities and extras. See your daily, weekly and monthly travel spend in any currency.
- Salary Abroad CalculatorCompare a salary offer abroad with your home pay. Enter the gross salary, income tax rate and exchange rate to see net pay in both currencies.
- Split Bill Multi-Currency CalculatorSplit a bill in a foreign currency and convert each person’s share into your home currency. Enter the bill, tip, group size and exchange rate.
- Cash vs Card Abroad Fees CalculatorCompare the cost of paying cash versus card abroad. Enter the purchase, cash exchange markup and card FX fee to see which is cheaper.
- Currency Value Over Time CalculatorSee how inflation erodes a currency’s purchasing power over time. Enter an amount, annual inflation rate and years to find its future cost and real value.
- City Tax & Fees CalculatorCalculate city taxes, tourism taxes and resort fees on a hotel stay. Enter the room rate, nights, guests and tax rules to see the full cost.
- Duty-Free Allowance CalculatorCalculate customs duty on goods brought home from abroad. Enter the purchase value, your duty-free allowance and the duty rate to see duty owed on the excess.
Supporting guides
- How Exchange-Rate Markups WorkUnderstand how banks and currency providers hide fees inside the exchange rate. Learn the difference between the mid-market rate, a markup and a stated fee.
- Tipping Rules by CountryA country-by-country guide to tipping customs: who to tip, how much, and where tipping is expected, optional or refused. Avoid over- or under-tipping abroad.
- How Remittance Fees Are StructuredUnderstand the two costs in every money transfer: the stated fee and the exchange-rate markup. Learn how remittance providers price international transfers.
- How Cost-of-Living Indices Are BuiltUnderstand how cost-of-living indices are calculated: the basket of goods, weighting, the base city and what the numbers can and cannot tell you.
How these calculators work
Trip & daily budgets
The trip and daily budget calculators add up cost categories — flights, accommodation, daily spending, extras — into a total and a per-day figure. They assume fixed prices and do not add a contingency buffer, so consider adding 10–15% for surprises.
Exchange-rate & remittance fees
The fee calculators compare the mid-market rate with a provider’s rate to reveal the hidden markup, and combine it with any stated fee to show the true cost of converting or sending money. Always compare total cost, not headline fees.
Tipping & bill splitting
The tipping calculator loads a customary rate per country and splits the bill across your group; the multi-currency splitter converts each share into your home currency. Check the bill for an included service charge before adding more.
Taxes, allowances & comparisons
The city-tax, duty-free, cost-of-living and salary-abroad tools handle destination-specific charges and cross-country comparisons. Rules vary widely by country, so confirm the allowances and rates that apply where you are.
These tools provide general estimates only and do not constitute financial advice. Exchange rates, tax rules, customs allowances and tipping customs differ by country and change over time. Always verify with a qualified professional or the relevant authority before acting on any calculation.