Forex Swap and Financing Calculator
Estimate long and short financing from daily cash costs, lots and calendar rollover dates. Choose the triple-charge day from your broker’s specification.
Understand the rollover convention
This scenario counts each Monday–Friday rollover once and the chosen triple-charge weekday three times. Saturdays and Sundays add no separate rollover. A seven-calendar-day interval therefore normally contains seven charged day units. The first date is the first rollover actually crossed, not simply the trade’s calendar opening date.
Cost = daily cash cost per lot × volume × charged day units. The daily input is held constant. The calculator does not automatically convert swap points or annual interest percentages. Convert them using the broker’s symbol specification before entering the cash amount.
When the estimate differs from MT5
Holidays, instrument settlement, broker server cut-off, dividend adjustments, administrative charges and swap-free account rules can change the schedule. Some instruments have different weekend charging. Use a broker-specific statement for those cases. A credit today can turn into a charge later.
Transfer the resulting total into the cost comparison or net P/L calculator.
Frequently asked questions
Why can Wednesday count three times?
Many forex specifications charge a triple rollover to account for settlement over a weekend. The correct day depends on the instrument and broker; choose it from the actual specification.
Can I paste a swap rate in platform points?
Not directly. The inputs are cash cost per lot per charged day in account currency. Convert a points-based quote first, and check holidays or special financing conventions separately.
Related tools and guides
Educational research, not personal investment advice. CFDs are leveraged products and can cause rapid losses. A calculation, indicator or stop cannot guarantee an account outcome.
ROLLOVER INPUT HELP
Two calendar nights can mean different swap costs
The existing rule counts rollover dates, not simply a trade's opening date. Use this input workflow before comparing financing totals:
- Identify the broker's cut-off and the first rollover the hypothetical position would actually cross. Enter that date in First rollover date; do not substitute your local opening date.
- Calendar nights from that date includes the first date and the following calendar dates. With 2 entered, the model examines the first date and the next date. It does not count the rollover on the third date.
- Select Triple-charge weekday from the exact symbol's conditions. Enter daily cash amounts per lot in account currency: a charge is positive in this calculator; a credit is negative. Convert quoted points or interest rates before entry.
Reproduce two hypothetical USD scenarios
For both cases set account currency to USD, volume to 0.20 lots, calendar nights to 2, triple-charge weekday to Wednesday, long daily cash cost per lot to 5 and short daily cash cost per lot to −2. These are invented cash inputs, not current broker rates, a position recommendation or an actual trade. Assume the page's ordinary weekday model with no holiday changes.
| Input or result | Tuesday start | Friday start |
|---|---|---|
| First rollover date | 3 November 2026 | 6 November 2026 |
| Dates examined | 3–4 November | 6–7 November |
| Weekday rollover events | 2 | 1 |
| Charged day units | 1 + 3 = 4 | 1 + 0 = 1 |
| Long financing cost | 4.00 USD charge | 1.00 USD charge |
| Short financing cost | −1.60 USD credit | −0.40 USD credit |
The Tuesday case includes Wednesday's assumed triple rollover: 5 × 0.20 × 4 = 4.00 USD for long and −2 × 0.20 × 4 = −1.60 USD for short. In the Friday case, Saturday adds zero in this model, so the multiplier is 1. Two calendar nights therefore do not automatically mean two charged day units. The long and short totals are alternative position directions, not amounts to add together.
Check your actual symbol in MT5 Market Watch → Specification. MetaQuotes documents swap types and daily swap multipliers and the separate long/short swap and rollover properties. A different weekend schedule, holiday or extra account charge needs a broker-specific calculation. A displayed credit is not assured income, and financing is only one part of total trading cost.
The account checklist explains country/entity eligibility and cost questions before a broker review. Some review links are affiliate links and may earn us a commission. Check eligibility and financing terms before following an offer; a calculator result does not recommend a broker.