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Forex Swap Calculator — Overnight Rollover Cost

The swap calculator tells you the exact overnight financing cost (or credit) for holding a forex position past the daily rollover time. Swap rates are based on the interest rate differential between the two currencies in a pair. Some positions earn positive swap (swap credit), while most cost money (swap debit). Traders who hold positions for days or weeks — swing traders and carry traders especially — must account for swap fees because they can significantly erode profits on longer-duration trades.

Updated August 7, 2026

Swap / Rollover CalculatorResults update instantly

Wednesday = 3 nights (triple swap)

Total Swap (3 nights)

-19.50 USD

Per Night

-6.50

Swap Type

✗ Debit

Swap rate for EUR/USD long: -6.50 USD/lot/night · Rates are indicative and vary by broker.

Swap = Lot Size × Contract Size × Swap Rate × Days / 360

How to Use the Swap / Rollover Calculator — Step by Step

  1. 1

    Select your currency pair

    Choose the forex pair you are holding. Each pair has a different swap rate based on the interest rate differential of the two currencies.

  2. 2

    Choose your position direction

    Select Long (buy) if you bought the base currency, or Short (sell) if you sold it. Long and short swap rates differ for every pair.

  3. 3

    Enter your lot size

    Type the size of your position in lots. Standard lot = 1.0, mini lot = 0.1, micro lot = 0.01.

  4. 4

    Enter the number of days

    Enter how many nights you plan to hold (or have held) the position. Wednesday rollover counts triple to account for the weekend.

  5. 5

    Read the swap cost or credit

    The result shows total swap in USD — negative means you pay, positive means you earn. Use this to decide if holding the position is worth the carry cost.

About the Swap / Rollover Calculator

The swap calculator tells you the exact overnight financing cost (or credit) for holding a forex position past the daily rollover time. Swap rates are based on the interest rate differential between the two currencies in a pair. Some positions earn positive swap (swap credit), while most cost money (swap debit). Traders who hold positions for days or weeks — swing traders and carry traders especially — must account for swap fees because they can significantly erode profits on longer-duration trades.

This free swap / rollover calculator works directly in your browser — no download, no registration, and no delay. All calculations are performed client-side, so your trading data is never transmitted to a server.

The formula used is: Swap = Lot Size × Contract Size × Swap Rate × Days / 360. This is the same formula used by professional traders and institutional risk managers worldwide.

Supported asset classes include: Forex. Each asset class applies the correct unit conventions so results are always accurate regardless of the market you are trading.

Swap / Rollover Calculator — Frequently Asked Questions

Q.What is a forex swap?

A forex swap (rollover fee) is the interest paid or earned for holding a position overnight past 5 PM EST (the daily rollover cut-off). It reflects the interest rate differential between the two currencies. If you buy a currency with a higher interest rate, you may earn positive swap.

Q.Why is Wednesday swap tripled?

Forex trades settle T+2 (two business days after the trade date). A trade opened on Wednesday settles on Friday — if held overnight, it rolls to the next value date which is Monday, spanning the weekend. Brokers charge/credit three days of swap on Wednesday night to account for the Saturday and Sunday settlement.

Q.Which pairs have positive swap?

Pairs where you are long a high-interest currency vs a low-interest one can have positive swap. Historically, being long AUD/JPY, NZD/JPY, or USD/JPY earned positive carry due to Japan's near-zero interest rates. Rates change with central bank policy.

Q.How do I minimise swap costs?

Close positions before 5 PM EST to avoid rollover, use a swap-free (Islamic) account if your broker offers one, trade pairs with positive carry in your direction, or focus on short-term trades that are closed within the same day.

Q.What is a swap-free (Islamic) forex account?

A swap-free account charges no overnight interest (swap) to comply with Islamic Sharia law, which prohibits earning or paying interest (riba). Instead, brokers may charge a flat administration fee after a set number of nights. Swap-free accounts are available to traders of all religions at most major brokers. They are popular with swing traders who hold positions for multiple days to avoid swap costs.

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