Currency Converter for AI Spend

Convert a dollar-denominated AI invoice or rate card into your own currency at the rate you were actually charged, with the date and the card markup shown.

Amount on the invoice, in USDProviders bill in dollars; this is the number on the invoice.

USD

Your currency codeA label only — the tool does no lookup on it.

Exchange rate you were charged — EUR per 1 USDCopy it off the card or bank statement. Example figure below; replace it.

EUR / USD

Date that rate is fromFree text. It is recorded so the result can be defended later.

Card or bank FX markup, % on topSet to 0 if your provider bakes the margin into the rate instead of charging it separately.

A price off the rate card, USD per 1M tokensOptional. Converts a published per-million rate into your currency at the same effective rate.

$ / 1M

Invoice in EUR

456.75 EUR

Converted at the rate you supplied, dated 2026-07-31. This page never fetches a rate — see below for why.

Invoice amount: $500.00
At 0.9000 EUR per USD: 450.00 EUR
FX markup (1.5%): 6.75 EUR
Effective rate paid: 0.9135 EUR/USD
Rate date on record: 2026-07-31
$3.00 per 1M tokens becomes: 2.7405 EUR / 1M

What this assumes: the rate is whatever you typed, and the markup is applied as a percentage on top of the converted amount. Some banks do it the other way and hide the margin inside the rate — if yours does, set the markup to 0 or you will count it twice. Rounding to the bank’s own cent conventions is not modelled, so expect the last cent to differ from your statement.

Why this does not fetch a rate

Because any rate it fetched would be the wrong one. The rate that decides what an AI invoice costs you is not the mid-market rate on the day — it is the rate your card issuer or bank applied on the day they settled, plus whatever margin they added, and neither of those numbers is public. A page showing today’s mid-market rate would produce a confident figure that never matches the line on your statement.

A hard-coded rate would be worse still. It would be wrong the day after it shipped and would go on being wrong silently, which is the failure mode a calculator is least able to signal. So the rate is a field, the date is a field, and both travel in the URL: the result you link to is reproducible because it carries its own inputs.

What the markup line is for

Almost everyone converting an AI bill forgets it. Provider invoices are denominated in dollars, the payment method is usually a card, and the card adds a foreign-transaction margin somewhere between a fraction of a percent and a few percent. On a small bill that is noise. On a bill that grew tenfold in a quarter it is a line item, and it is the one that never appears in anyone’s cost model because the provider never charged it.

The per-million conversion at the bottom exists for planning rather than reconciliation: if your budget is denominated in your own currency, a USD rate card has to be converted before it can be compared against it, and it should be converted at the rate you actually pay rather than the one a search result shows.

Currency Converter for AI Spend

Why this does not fetch a rate

What the markup line is for

The reasoning behind this

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