Revolut Cost & Savings Calculator
Estimate how much you might save each month by using Revolut for currency exchange and international transfers compared with a traditional bank.
This is an educational estimator. Real fees, markups, and plan benefits vary by country, currency pair, and usage.
What this Revolut calculator tells you
If you exchange money regularly, spend abroad, or send transfers internationally, small percentage fees can quietly drain your budget. This Revolut calculator helps you estimate your monthly cost with a traditional bank and compare it against common Revolut plan structures.
- Estimated monthly bank cost (FX markup + transfer fees)
- Estimated monthly Revolut cost (plan fee + weekend markup + over-limit markup + transfer fees)
- Estimated savings (or extra cost) from using Revolut
How the calculator works
1) Traditional bank estimate
The bank side is straightforward:
- FX cost = monthly exchanged amount × bank markup %
- Transfer cost = number of transfers × bank fee per transfer
- Total bank cost = FX cost + transfer cost
2) Revolut estimate
Revolut pricing can include multiple moving pieces, so this tool breaks it into practical components:
- Monthly plan fee (depends on plan)
- Over-allowance markup (for plans with monthly exchange limits)
- Weekend markup on the portion of exchange done on weekends
- Transfer fees if applicable for your transfer route
3) Estimated savings
Savings are shown as: Bank total − Revolut total. A positive value means Revolut appears cheaper in your scenario. A negative value means your current bank setup may cost less for the specific assumptions entered.
Plan assumptions used in this version
To keep the calculator practical, default assumptions are included for each plan:
- Standard: no monthly fee, 1,000 allowance, 1.0% over-limit markup, 1.0% weekend markup
- Plus: 3.99 monthly fee, 3,000 allowance, 0.5% over-limit markup, 1.0% weekend markup
- Premium: 8.99 monthly fee, unlimited allowance, 0.0% over-limit markup, 0.5% weekend markup
- Metal: 15.99 monthly fee, unlimited allowance, 0.0% over-limit markup, 0.5% weekend markup
- Ultra: 45.00 monthly fee, unlimited allowance, 0.0% over-limit markup, 0.0% weekend markup
Think of these as planning assumptions, not official pricing. Always verify your region’s current terms in-app.
How to use this tool for better decisions
Run three scenarios
Try conservative, typical, and heavy-use cases. This gives you a range, rather than one fragile estimate.
Be realistic about weekends
If you travel often and spend heavily on weekends, this single input can materially affect total cost. Don’t leave it at a default value if your behavior is different.
Compare annual totals
Monthly differences can look small. Multiply by 12 and evaluate whether a paid plan still makes sense over a full year.
Frequently asked questions
Is this an official Revolut calculator?
No. It is an independent estimator built for education and quick planning.
Can this replace fee disclosures?
No. Official pricing pages, in-app disclosures, and live quoted rates are the authoritative sources. Use this tool as a first-pass comparison before making a decision.
What if my bank has tiered fees?
Enter a weighted average markup and average transfer fee, then test upper and lower bounds to understand the likely range.
Bottom line
A good revolut calculator should help you decide, not just entertain. Use your real monthly behavior, test multiple scenarios, and compare yearly impact. If your international spend is meaningful, even a 1% difference in FX cost can become a surprisingly large amount over time.