Cash vs Card Abroad Break-Even Calculator

Cards charge an FX fee; cash bureaus bury their fee in a worse rate. Compare the effective totals — the smaller number wins for that spend s

Quick answer: Cards charge an FX fee; cash bureaus bury their fee in a worse rate. Compare the effective totals — the smaller number wins for that spend size. Free, instant, private — runs entirely in your browser.

Spend amountCard FX fee %Cash exchange markup %

How to use

Fill the fields above — results update as you type.
Adjust any input to compare scenarios instantly.
Nothing is uploaded; everything runs in your browser.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance) as of 2026-08. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Cards charge an FX fee; cash bureaus bury their fee in a worse rate. Compare the effective totals — the smaller number wins for that spend size.

FAQ

Cash vs Card Abroad Break-Even Calculator — is it really free?

Yes. No signup, no watermark, no hidden limit — the logic runs entirely in your browser and nothing is uploaded.

Does Cash vs Card Abroad Break-Even Calculator store my inputs?

No. Everything is computed on your device; closing the tab erases it all.

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