Currency Converter · Practical guide
How Much Foreign Currency Do I Need for a Trip?
Convert your trip budget into local currency, then split it between cash in hand and card spending.
At a glance
The Quick Answer
A common rule of thumb: budget your daily spend × trip days in local currency, then carry only 20% to 30% of it as cash — cards cover the rest. For a 10-day trip to Europe at $200 per day, that is a $2,000 budget, which converts at the reference rate of 0.92 to €1,840, of which roughly €400 to €550 would be cash.
Interactive tool
Currency Converter
Enter your own values, then compare the result with the examples below.
Conversion Result
Convert Your Budget Before You Fly
What typical US-dollar trip budgets become in popular destinations, at this tool's reference rates:
| Budget (USD) | Euros (0.92) | Pounds (0.79) | Yen (150) |
|---|---|---|---|
| $1,000 | €920 | £790 | ¥150,000 |
| $2,000 | €1,840 | £1,580 | ¥300,000 |
| $3,500 | €3,220 | £2,765 | ¥525,000 |
How Much Cash Versus Card
- Cash-heavy destinations (much of Japan, rural areas, markets): plan 40% to 50% in local cash.
- Card-friendly destinations (UK, most of Western Europe): 20% cash is usually enough for tips, taxis, and small vendors.
- Split cash between two people or two bags so one loss is not a trip-ending loss.
Getting the Best Rate
The cheapest conversion is usually a no-foreign-fee credit or debit card charged in the local currency — always decline "pay in dollars" offers, which bake in a poor rate. For cash, withdrawing local currency from an ATM abroad typically beats exchange kiosks by several percent. On a $2,000 budget, a 3% difference in rate or fees is $60 — a nice dinner. Rates here are approximate references, so re-check close to departure.
Frequently Asked Questions
How much cash should I carry abroad?
A common guideline is 20% to 30% of your total budget in local currency cash, adjusted up for cash-heavy destinations like rural Japan. Cards with no foreign transaction fees cover the rest.
Is it better to exchange money before or during the trip?
ATM withdrawals in the destination country usually offer better rates than exchange kiosks at home or at airports. Arrive with a small amount of local cash for the first day.
What is dynamic currency conversion?
It is when a foreign merchant or ATM offers to charge you in US dollars instead of local currency. The built-in rate is almost always worse, so choose the local currency.
How much should I budget per day in Europe?
Mid-range travelers typically spend $150 to $300 per day per person covering lodging, food, and activities. Convert that total with the tool above to see it in euros.