💱 Foreign Card Payment, FX Fee & DCC (Dynamic Currency Conversion) Loss Calculator

Compare paying in Local Currency vs Dynamic Currency Conversion (DCC) when traveling or living in Japan & Korea. See exact card network fees, bank FX markups, and how much DCC costs you.

✅ Official Rule Verification Date: 2026-11-04 (2026/2027) 🏛️ Official Government Sources: National Tax Agency of Japan (国税庁) · National Tax Service of Korea (국세청)

🔒 100% Client-Side Privacy: Your salary and income inputs are calculated strictly inside your browser and never sent to any server.

📌 FX Fee & DCC Card Calculator — 핵심 요약 (Key Takeaways)

Choosing your home currency on an overseas card terminal (DCC — Dynamic Currency Conversion) adds a hidden 3%–8% exchange rate markup on top of your bank’s foreign transaction fee.
Always choose the LOCAL currency of the country you are in (JPY in Japan, KRW in Korea) and select "Without Conversion" at overseas ATMs.
Customize the exchange rate, card network fee, and DCC markup to see your real total cost.

📖 How the Formula Works & Official Terminology (with Local Terms)

Step 1 (Local Currency Payment): Multiplies purchase amount by market exchange rate plus your card’s standard foreign transaction fee.
Step 2 (DCC Home Currency Payment): Applies the merchant’s DCC markup (3%–8%) plus foreign handling fees.
Step 3 (Savings Comparison): Shows the exact amount saved by declining DCC and paying in local currency.

📊 Sample Salary & Tax Reference Table by Income Bracket

Purchase in Japan	Pay in JPY (Local Currency)	Pay via DCC (5% Markup)	Money Wasted on DCC
¥10,000 (Dining / Retail)	$67.65	$71.03	-$3.38 wasted
¥50,000 (Electronics)	$338.25	$355.16	-$16.91 wasted
¥100,000 (Hotel / Flights)	$676.50	$710.33	-$33.83 wasted
¥300,000 (Rent / Tuition)	$2,029.50	$2,130.98	-$101.48 wasted

❓ Frequently Asked Questions (FAQ)

Q. What should I press when a Japanese or Korean card terminal asks "Pay in JPY/KRW or USD/Home Currency"?

Always press the local currency (JPY in Japan, KRW in Korea)! Never choose your home currency on the terminal.

Q. What does "Continue with or without conversion" mean on an ATM?

Always choose "Continue WITHOUT Conversion" (or "Decline Conversion") so your own card issuer converts the currency at the official network rate rather than the ATM operator’s inflated DCC rate.

🏛️ Official Government Citations & Revision Schedule

National Tax Agency of Japan (国税庁) — 2026/2027 Withholding Tax Tables & Computer Formula (源泉徴収税額表)
Official Rule Verification Date: 2026-11-04 | 매년 9월 차년도 표 공개 → 1월 급여부터 적용 (1월·9월 중점 점검)
National Tax Service of Korea (국세청) — Wage Withholding Table, Progressive Tax Brackets, Foreigner 19% Flat Rate & Dividend Tax
Official Rule Verification Date: 2026-11-04 | 매년 1~2월 세법 시행령 개정 및 3월 간이세액표 반영 / 5월 종합소득세 (1·2·3·5월 점검)

→ 📅 Tax Revision Calendar & Sources

⚠️ ⚠️ Important: Figures May Differ — Always Verify with Your Tax Office or Relevant Agency

Calculations, schedules, and guides on HonsMoney are approximate estimates and may differ from your actual tax or insurance amounts due to individual circumstances, municipal rules, visa status, or law revisions. This site does not provide tax or legal advice. Always verify final figures and deadlines directly with your local Tax Office (税務署 / NTS), Municipal Office (役所), Pension Service (年金事務所 / NPS), or your employer’s HR/payroll department.

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