FX spread calculator
“No fee” conversions are paid through the rate. Compare the rate you received with a mid-market reference for the same moment and see the spread in dollars.
Conversion
Example rates are placeholders, not current exchange rates.
Where the money went
A USD-referenced stablecoin received by a CAD business is converted every time, even when the customer is in Canada. The spread you measure here belongs in the cost comparison as the stablecoin conversion spread. More in wire transfers and FX spreads.
How to use it
- Enter the amount converted and the rate you received.
- Enter a mid-market reference rate for the same moment, and any flat fee.
- Read the spread in per cent and the total cost in CAD.
Default values are illustrative planning inputs reviewed October 30, 2026, not market data or any provider’s pricing. Replace them with your own statements. This tool is educational and is not financial, legal or tax advice.
Want a second look at your numbers?
Describe your scenario and MITEY will review it with you by email. Free and educational; we do not sell or process payments.
Request a scenario review