GigTaxGuidePro · International freelancer toolkit
Create an invoice. See what comes home.
Bill in your client’s currency, add an optional home-currency reference, and estimate what you keep after payment fees. Enter your own exchange rate—no live rates are fetched.
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Free Multi-Currency Invoice Generator
Working with an overseas client should not leave you guessing which currency to request or how much a payment might be worth at home. Use this free multi-currency invoice generator to create an invoice in your client’s agreed payment currency, show an optional home-currency equivalent, and estimate your receipt after fees.
Add your services, enter an exchange rate you have checked, and review the client preview. When the invoice is ready, use Print / Save as PDF to create a copy you can send. No account is required.
Direct answer: A multi-currency invoice generator creates an invoice in one payment currency and can show a second currency for reference. This tool supports 30 currencies and lets you enter a dated exchange rate, calculate discounts and tax, record an amount already paid, and privately estimate payment fees and exchange-rate changes. Rates are entered manually, not fetched live.
How to create a multi-currency invoice
- Enter the invoice details. Add a unique invoice number, issue date, due date, your business name and your client’s name. Include the addresses, tax identifiers and contact details relevant to your transaction.
- Choose the payment currency. Select the currency your client has agreed to pay, then choose your home currency for the reference calculation.
- Enter the exchange rate. The field means “1 unit of invoice currency equals X units of home currency.” Add the date and source or contract reference for that rate.
- List your services. Enter a description, quantity and unit price for each line. All line-item prices use the invoice currency.
- Review adjustments. Apply a percentage discount, select the tax treatment and enter any amount already paid. Mark non-taxable items accordingly.
- Add payment instructions. State the accepted payment method, payment reference and agreed terms. Check account information before sharing the invoice.
- Review and export. Check the preview, then print or save a PDF through your browser. You can also copy the client invoice text or download a draft to edit later.
If you only need a simple invoice without an exchange-rate comparison, use the standard freelance invoice generator. If you have not agreed on a price yet, start with the freelance project rate calculator.
Invoice currency and home currency: what is the difference?
The invoice currency is the currency used for your prices, tax, total and remaining balance. It is also the currency the client should pay.
The home currency is the currency used for the additional reference estimate. It helps you understand the invoice’s value in familiar terms, but it does not create another amount the client can choose to pay.
For example, you might invoice a client in USD and show an EUR reference. A balance of USD 500.00 remains payable in USD even if the preview also shows an EUR equivalent. Agree on a different payment arrangement separately if needed.
A dual-currency invoice should make this distinction obvious. This tool labels the converted figures as reference values and repeats the payment currency beneath the amount due. You can hide the reference block from the client invoice while keeping your private receipt estimate.
Example: a USD invoice with an EUR reference
Suppose you provide website work to an international client. These are illustrative inputs, not current exchange rates or provider fees.
| Input | Example |
| Work | 10 hours |
| Hourly rate | USD 50.00 |
| Line subtotal | USD 500.00 |
| Discount | 10% |
| Tax added after discount | 5% |
| Amount already paid | USD 100.00 |
| Entered exchange rate | 1 USD = 0.90 EUR |
The discount is USD 50.00, leaving USD 450.00. Tax is USD 22.50, so the invoice total is USD 472.50. After subtracting the USD 100.00 already paid, the client owes USD 372.50.
At the illustrative rate, the full invoice’s home-currency equivalent is EUR 425.25. The remaining balance is equivalent to EUR 335.25 before fees or further exchange-rate changes.
Notice that invoice total and balance due answer different questions. The total describes the full bill. The balance describes what is still unpaid. The private receipt calculator uses that remaining balance.
Estimate what you receive after payment fees
Your client’s payment amount may differ from the amount you eventually receive. The private planner accepts four optional inputs:
- Percentage processing fee: charged against the remaining invoice balance in this model.
- Fixed fee: entered in the invoice currency, not your home currency.
- FX rate reduction: reduces the entered rate to model a less favorable conversion rate.
- Extra adverse FX move: shows a further reduction as a separate scenario.
Continuing the example, suppose the percentage fee is 2%, the fixed fee is USD 1.00, and the FX reduction is 1%.
| Calculation | Result |
| Percentage fee: 2% of USD 372.50 | USD 7.45 |
| Total estimated fees, including fixed fee | USD 8.45 |
| Balance after fees | USD 364.05 |
| Effective rate: 0.90 × 0.99 | 0.891 EUR per USD |
| Estimated home-currency receipt | EUR 324.37 |
| Receipt after another 3% adverse FX move | EUR 314.64 |
These assumptions do not change what the client owes. They are kept out of the copied client invoice and printout. They are included in your downloaded draft because the draft is for your own editing.
If you already entered a provider’s final conversion rate, leave FX reduction at 0% to avoid counting the same spread twice. For provider-specific planning, see the Wise fee calculator or PayPal fee calculator, and verify the actual quote for your payment.
Estimated receipt is not profit or take-home pay. It can include tax collected from the client and does not subtract business expenses or income taxes. Use the freelancer take-home pay calculator separately when those assumptions fit your situation.
Which exchange rate should you enter?
Use a rate appropriate for the purpose of your calculation. An agreed contract rate, a provider’s quoted rate and a rate used for tax reporting may serve different purposes. Record the source and date so you can explain the reference figure later.
Pay attention to the direction. If your source says 1 EUR equals 1.10 USD, that is not the same as entering 1 USD equals 1.10 EUR. You need the reciprocal for the opposite direction: 1 ÷ 1.10, approximately 0.90909091 EUR per USD.
This tool does not silently refresh rates. When you change the currency pair, the rate is cleared so that an old rate is not reused for a different pair. Changing the invoice currency also relabels existing prices; it does not convert them automatically. Review those amounts before exporting.
An older dated rate may be appropriate for an agreed transaction, but should still be checked. The date warning is a reminder, not an instruction to replace a valid contractual or reporting rate with today’s rate.
How discounts, tax and rounding work
Each line amount is calculated as quantity multiplied by unit price, then rounded to the invoice currency’s precision. The tool totals taxable and non-taxable items separately and applies the percentage discount to each group.
With tax-exclusive prices, tax is added to the discounted taxable subtotal. With tax-inclusive prices, the tax portion is extracted from that subtotal; it is not added again. A single rate applies to taxable items, while unchecked items do not receive that tax.
For example, if a taxable price of USD 120.00 already includes 20% tax, the tax portion is USD 20.00 and the total stays USD 120.00. The calculation is 120 × 20 ÷ 120. This example explains the selected arithmetic mode, not whether that rate applies to your sale.
The offered JPY and KRW amounts use zero decimal places. BHD, JOD, KWD and OMR use three. Other offered currencies use two. Half-up rounding is applied to line totals, group discounts and tax. Rounding each group can create a one-minor-unit difference from another tool that rounds only at the end.
This is a general invoice tool with one tax rate. It does not determine VAT, GST, sales tax, reverse charge, withholding or e-invoicing requirements. For example, HMRC provides specific guidance on foreign-currency transactions and VAT. Check the rules that apply to your business; a home-currency reference alone does not establish compliance.
Save your invoice and protect your draft
Choose Print / Save as PDF, then select your browser’s PDF destination. Check the preview and disable browser headers and footers if you do not want the page title or URL printed. The client document includes the invoice details, payment instructions and any enabled reference conversion.
Use Download draft when you want to return to the invoice later. Load draft restores a JSON draft downloaded from this tool. Keep that file private: it contains the billing details and your private fee assumptions. Send the finished invoice PDF to your client instead.
The tool code does not send invoice fields to a server and does not automatically save them in browser storage. Other scripts installed on the surrounding website have their own behavior. Closing or refreshing the page can lose your work unless you downloaded a draft.
Frequently asked questions: Multi-Currency Invoice Generator
Is this multi-currency invoice generator free?
Yes. You can create invoices without an account, copy the client invoice, download an editable draft and use your browser to print or save a PDF.
Can I show two currencies on one invoice?
Yes. Select different invoice and home currencies and keep the reference option enabled. The client pays the invoice-currency balance; the home-currency figure is labeled as a reference.
Does it use live exchange rates?
No. You supply the rate, date and source. The tool calculates the equivalent using that input and does not claim the result is a current market or guaranteed settlement rate.
Can I invoice in USD and see the equivalent in PKR?
Yes. Select USD as the invoice currency and PKR as the home currency, then enter the number of Pakistani rupees per US dollar from your chosen source. All amounts remain payable in USD unless you separately agree otherwise.
Can different line items use different currencies?
No. All items on an invoice use one invoice currency. Convert and agree your prices before entering them, or create separate invoices when appropriate. The second currency is a reference for totals.
Do payment fees appear on the client’s invoice?
No. The private fee planner changes your receipt estimate only. It does not add a surcharge to the client’s balance or show your fee assumptions on the printout or copied invoice.
Can I deduct a deposit or partial payment?
Yes. Enter the amount already paid in the invoice currency. The tool subtracts it from the invoice total and estimates future receipts on the remaining balance. It rejects an amount paid that exceeds the invoice total.
Does the tool collect payment or email the invoice?
No. Add your payment instructions, save the invoice and send it using your own email or agreed channel. This tool does not process payments, verify bank details or track whether the invoice was paid.
Is the invoice automatically tax-compliant?
No. Required invoice fields, conversion methods and tax rules depend on the transaction and jurisdiction. Review those requirements before sending. The calculator performs the arithmetic you select; it does not decide your tax obligations.
Methodology
This article describes the accompanying tool’s calculation model, prepared September 28, 2026. Invoice amounts use rounded minor units, one tax rate and a user-entered exchange rate. The private planner deducts an estimated percentage fee and fixed fee before conversion, then applies any entered FX reductions. Examples use hypothetical rates and fees. No live exchange-rate feed, automatic tax lookup or payment-provider quote is included.