Currency Split Calculator

How to split savings between currencies

Set your shares, the rate each currency earns and a term, then compare the result with keeping everything in your home currency.

15%
5%

The rest stays in USD. Move the sliders to change the foreign shares.

Yearly rate after tax, %
What each currency really earns. Example values, enter your own.
10%

The starting split is only an example. Base it on the currency of your future spending.

Your split

Currency Share USD In that currency
USD —
EUR
GBP

If USD falls

USD EUR GBP
Today
Your split at the end
Everything in USD at the end

Foreign amounts use recent official rates and are approximate. Rates stay constant over the term and are compounded yearly.

How to read the result

A foreign share cushions your savings when your home currency falls: the same foreign money is worth more at home.

It has a price: the rate. The break-even line shows how far your home currency must fall for a foreign one to win, so a larger foreign share is not always better.

The most useful question is where you will spend the money. Keep a reserve for everyday costs in the currency of those costs.

FAQ

There is no universal answer. It depends on the currency of your future spending, your time horizon and your income. Use the calculator to compare a few options instead of looking for one correct split.

Usually it is simpler to keep it in the currency of your everyday spending, so a change in exchange rates does not shrink it just when you need it.

It includes the rate you enter for each currency, so enter it after tax. It does not include the spread when exchanging money or changes in rates during the term.

This is an educational tool, not investment advice. Scenarios are illustrations, not forecasts.

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