All calculators

Gold & Forex Swap Calculator

Calculate overnight charges or credits.

Estimates use your own inputs, not live broker prices.

Instrument · Contract units per lot

InstrumentReference contract defaults are examples, not broker specifications.Units per 1.00 lotExample for XAUUSD; replace with broker contract size.Account currency (ISO)Instrument quote currency: USDUSD → USD conversion rate1 when quote and account currencies match.

Advanced settings

Volume (lots)Signed financing rate unitSigned rate (+ cost, − credit)No assumed live or default fee. Use the LONG or SHORT rate that applies.Number of rollover eventsTriple rollover events within count0 to number of rollover events; +2 days each.

How the calculation works

Gold & Forex Swap Calculator · How the calculation works

Illustrative values only — not XM trading terms or an investment recommendation.

Calculation formula

Signed net financing = Signed swap rate × Volume (lots) × (Rollover events + 2 × Triple rollover events)

Quote units per lot: Signed swap rate × Price increment × Contract units per lot × Currency conversion; Annual rate / 365: Signed swap rate ÷ 100 ÷ 365 × Reference price × Contract units per lot × Currency conversion

Positive signed rates mean a cost; negative rates may mean a credit. Triple rollover adds two charge-days.

Worked example

Example inputs · XAUUSD

Volume (lots): 0.10 lots
Signed swap rate: +2 USD / lots / Rollover events
Rollover events: 3
Triple rollover events: 1

Calculation steps

2 × 0.10 × (3 + 2 × 1) = 1.00

Estimated result

1.00 USD

Frequently asked questions

How is this calculated?

Calculation formula: Signed net financing = Signed swap rate × Volume (lots) × (Rollover events + 2 × Triple rollover events)

Why might my broker show a different result?

Check the broker’s actual contract, account and location conditions. Positive signed rates mean a cost; negative rates may mean a credit. Triple rollover adds two charge-days.