Freelance income currency stress test.
Compare currency scenarios, monthly expense coverage and required foreign income.
UNDERSTAND THE ESTIMATE
How to use this planner
Choose payment and spending currencies, then enter monthly foreign income, other spending-currency income, expenses and your manual exchange rate. Optional fees and a stress percentage create comparable scenarios.
The calculation
The rate means spending-currency units per one payment-currency unit. For positive converted income, net conversion = foreign income × rate × (1 − percentage fee / 100) − fixed fee. Add other income and subtract expenses. Required foreign income solves the same equation and rounds upward for display.
Uses manual exchange rates and optional entered fees. Taxes and unentered charges are excluded. Estimates are not financial advice.
ECB information on exchange reference rates ↗ILLUSTRATIVE EXAMPLE
Follow the numbers
Convert 2,000 at a rate of 0.9, with no fees or other income. This produces 1,800 in the spending currency. Expenses of 1,500 leave 300. At that rate, a displayed target of 1,666.67 foreign units covers those expenses.
Are these live exchange rates or forecasts?
No. You supply the rate, and the stress percentage is illustrative. Reference rates are informational and can differ from your provider’s transaction quote. Avoid entering fees twice if they are already included in the rate. Same-currency planning uses rate 1 and one result.