Swap and financing calculator

Calculate a financing charge or credit using your rate and the numbers of single and triple financing events.

Start with an example

Assume a charge of 8 USD per lot and a 0.10-lot position. 2 + 3 × 1 = 5 financing units, giving a financing balance of −4 USD.

Calculation inputs

Changing inputs recalculates the result. Use account currency for amounts unless a field names another unit.

Position volume (lots)0.10 lot is one tenth of a lot. Where do I find this input?

One financing charge or credit per 1 lotAccount-currency amount. Convert a points-based or percentage rate using the instrument’s specification before entering it. Where do I find this input?

Financing typeA charge is subtracted from profit; a credit is added. Enter the amount without a minus sign. Where do I find this input?

Number of single financing eventsEvents with a multiplier of 1. Count events using the broker’s schedule, rather than calendar nights alone. Where do I find this input?

Number of triple financing eventsEvents with a multiplier of 3. Do not also count a triple event as a single event. Where do I find this input?

Account currencyLabels the amounts. Changing this currency does not fetch an exchange rate or automatically convert the numbers you entered. Where do I find this input?

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Result for your inputs

Total financing units—

Financing balance: charge / credit—

One financing event for this position—

How to interpret the result

Results appear when the calculator starts.

The rate must be an account-currency amount, rather than raw points or a percentage from the broker’s table. The model assumes a fixed rate and multipliers of 1 or 3. Check the instrument’s schedule, holidays, long/short direction and rate changes. Triple financing is not assumed to occur on Wednesday in every case.

Calculations run in your browser. A downloaded CSV contains your inputs and results.

Work through the calculations

Pip value → position size → margin → portfolio risk. Transfer with a button and confirm before applying on the next page.

A draft remains usable for 30 minutes and is stored in this browser session on this domain. We do not send it to the server or put amounts in the URL. A browser may retain a restored tab session; use “Clear calculation draft” to remove the data.

How the result is calculated

Financing units = single events + 3 × triple events. One position financing unit = rate per 1 lot × lots. Balance = financing units × one position unit, with a minus sign for a charge and a plus sign for a credit.

Worked example

Hypothetical example: a charge of 8 USD per lot for one financing unit, a 0.10-lot position, two single events and one triple event. Units = 2 + 3 × 1 = 5. One position unit is 0.80 USD, giving a total balance of −4 USD. The triple event is not also counted as a single event.

Specifications and conventions: MetaQuotes: instrument specification

Inputs before results

Where do I find this calculator’s inputs?

Gather the instrument specification, account settings and your own assumptions. Do not treat default values as your broker’s settings.

Count events, not just nights. Original diagram with fictional learning inputs; not a platform screenshot or broker offer.

Conclusion: 8 USD per lot does not mean 8 USD per night for this position. The triple event is not counted again as a single event.

Contract and volume specification

Open the specification for the exact symbol and account type you will use. In MT5: Market Watch → symbol context menu → Specification. Read the contract size per 1 lot and the minimum, maximum and volume step.

100,000 base-currency units per lot is our example assumption. A position of 0.10 lot then represents 10,000 units. A 0.01 step does not establish the minimum or maximum; check all three settings.

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Financing units, sign and events

Read the rate for the correct position direction, calculation method, currency and instrument schedule. Raw points, an annual percentage and an account-currency amount are different units. For a fictional linear EUR/USD contract of 100,000 EUR per lot and a 0.00001 point, a point per lot is worth 1 USD. If financing is quoted in those points, −8 points means an 8 USD charge per lot for a single event on a USD account.

The swap calculator needs the account-currency amount per 1 lot for one single event. Financing fields in the P/L and cost calculators take the amount for the entire position and holding period. Select charge for a debit and credit for a positive payment; enter the amount without a minus sign. Count a triple event once as triple, without also adding it to singles. Do not assume one rollover weekday for every instrument.

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Check field meanings in the platform documentation: MetaQuotes: symbol properties · MetaQuotes: opening symbol specification