Free tool
Currency Exposure Calculator for Travel Agencies
You quoted the client in pounds, but the villa, yacht or DMC wants paying in euros or dollars weeks later. Enter the cost, the price and the rate you quoted at to see your margin at today’s rate and under a few exchange-rate moves, the rate at which the trip stops making money, and how much margin is at risk.
Margin at the rate now
£4,576
12% of the client price. The same as the £4,576 at the quoted rate of 1.1968.
The €40,000 still to buy is worth £33,424 at the rate now. The margin reaches zero at 1 GBP = 1.0526 EUR, a fall of 12% in GBP from the rate now.
| Scenario 1 GBP = x EUR | Cost GBP | Margin % of price | vs quoted |
|---|---|---|---|
| GBP down 10% 1.0771 | £37,137 | £862.69 2.3% | -£3,714 |
| GBP down 5% 1.1369 | £35,183 | £2,817 7.4% | -£1,759 |
| GBP down 2% 1.1728 | £34,106 | £3,894 10.3% | -£682.11 |
| No change from the rate now 1.1968 | £33,424 | £4,576 12% | £0.00 |
| GBP up 2% 1.2207 | £32,768 | £5,232 13.8% | +£655.36 |
| GBP up 5% 1.2566 | £31,832 | £6,168 16.2% | +£1,592 |
| GBP up 10% 1.3164 | £30,385 | £7,615 20% | +£3,039 |
| Payment | Amount EUR | Rate | Cost GBP |
|---|---|---|---|
| Deposit (30%)Still to buy | €12,000 | 1.1968 | £10,027 |
| Balance (70%)Still to buy | €28,000 | 1.1968 | £23,397 |
| Total | €40,000 | £33,424 |
Reference rates: European Central Bank euro foreign exchange reference rates for 13 Nov 2026, fetched when this page was built. The ECB publishes them for information only and discourages their use for transactions.
An estimate, not financial or hedging advice. It values the money still to buy at the rates you enter and leaves out bank charges and FX provider spreads.
How the calculation works
Rates are written as units of the supplier’s currency per one unit of the client’s, for example 1 GBP = 1.18 EUR. A supplier cost converts to the client’s currency by dividing by the rate.
- Margin at the quoted rate. The client price less the whole supplier cost at the rate you quoted at. This is the margin you planned for.
- Paid or fixed payments. A deposit or balance you have already paid, or fixed at a known rate, is counted at that rate and is no longer exposed.
- Margin at the rate now. The client price less the fixed payments, less the amount still to buy at the rate now.
- Scenarios. The rate now moved up and down by each percentage you enter. A 5% fall in the pound takes 1.18 to 1.121.
- Break-even rate. The amount still to buy divided by what is left of the client price after the fixed payments. Below that rate the trip loses money.
- Margin at risk. The margin lost if the client’s currency falls by the largest scenario move from the rate now.
What the tool doesn’t do
- It doesn’t show live exchange rates. Where the European Central Bank reference rate is offered, it is from the day the site was last built and is labelled with its date.
- It doesn’t give financial or hedging advice, price forward contracts or options, or recommend a provider. A locked rate you enter is only compared with the rate now.
- It leaves out bank charges, FX provider spreads and card fees, and any VAT on the margin (for UK packages, see the UK TOMS VAT calculator).
Questions & answers
What is currency exposure on a booking?
What is the break-even exchange rate?
Which exchange rate should I enter?
Does the calculator recommend a hedge or a forward contract?
Why does the tool show rates as “1 GBP = x EUR”?
Sources & data
Every figure this tool uses by default is listed here with where it came from and when we last checked it. Spotted something out of date? Tell us.
- ECB euro foreign exchange reference rates: publication and reuse termsECB: “The reference rates are usually updated at around 16:00 CET every working day, except on TARGET closing days”, based on a concertation between central banks “around 14:10 CET”. “The reference rates are published for information purposes only. Using the rates for transaction purposes is strongly discouraged.” All rates are quoted against the euro. Reuse: the ECB disclaimer says users “may make free use of the information obtained directly from it”, provided it appears accurately, the ECB is cited as the source, and any modification (we divide two euro rates to get a cross rate such as GBP/USD) is stated explicitly. This tool fetches the latest daily rates once, at build time, labels them with their date and lets you override them. They are mid-market reference rates: the rate a bank or FX provider gives you will differ.
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