A DMC multi-currency cost sheet, worked in one quote currency

Record the rate direction and its basis

The supplier currencies here are EUR, GBP and USD. The quote currency is USD. Write the rate as quote-currency units per one supplier-currency unit: USD per EUR, or USD per GBP. Supplier amount × that rate = quote-currency cost.

The fictional rate sheet is R1, dated 6 November 2026, created solely for this exercise. Its source is an invented training assumption, not a bank, market feed or executable payment offer. R1 sets 1 EUR = USD 1.0875 and 1 GBP = USD 1.2634; USD costs use a factor of 1.

If a real source instead gives supplier-currency units per USD, divide the supplier amount by that rate. Never multiply by a reverse-direction rate. Save its original quotation, direction and full precision alongside the conversion rule.

For a real quote, record the named rate source, observation date and time with timezone, payment basis and validity period. An indicative reference rate is not necessarily the rate your bank will execute. The reviewer must approve the chosen basis, including any spread or payment charges, before use.

Convert costs, then add the USD net total

Each supplier amount below is already a group total for the listed service block, not a per-person or per-night rate. Assume supplier taxes are included in those amounts. Flights, unlisted services, bank charges and FX spreads are excluded. No currency reserve is included; none of these exclusions can be treated as zero in a real file without review.

This simplified selling price excludes sales taxes collected for authorities, partner commissions and discounts. It is not a fully costed itinerary. Use the group cost sheet guide for quantities and FOC checks.

On a phone, scroll the table sideways. Cost-line labels stay visible; the last column is USD net.

Use decimal arithmetic and retain the full stated rate precision. Round each converted service-line total to USD cents, nearest cent with exact half-cent ties rounded up. Sum those rounded lines: USD 4,698.54 + USD 1,105.79 + USD 640.35 = USD 6,444.68.

The unrounded hotel conversion is USD 4,698.54375; the guide conversion is USD 1,105.79085. Do not round the rate first or separately round repeated units within these group totals. Other rounding policies can produce different results; record one policy and use it consistently across revisions.

Name the percentage basis

The fictional partner rule is 20% markup on the rounded USD net group total, not 20% gross margin on sales. USD 6,444.68 × 1.20 = USD 7,733.616. Round the group selling price once to USD 7,733.62.

Gross profit before overhead is USD 7,733.62 − USD 6,444.68 = USD 1,288.94. Gross margin is USD 1,288.94 ÷ USD 7,733.62 × 100 = 16.67%, rounded to two decimals. The markup versus margin guide explains why those percentages differ.

This example prices the group, not individual places. If you sell per person, choose the paying count and document the per-person rounding policy. Rebuild sales from the actual rounded prices charged; do not assume they reproduce this group price exactly.

Recalculate when the exchange-rate basis changes

Fictional revision R2, also dated 6 November 2026, changes only the EUR rate to 1 EUR = USD 1.1125. The GBP rate, supplier amounts, scope, exclusions and rounding policy remain unchanged. R2 is another invented training assumption, not a forecast or a current exchange rate.

• Hotel: EUR 4,320.50 × 1.1125 = USD 4,806.55625 → USD 4,806.56.
• Revised net: USD 4,806.56 + USD 1,105.79 + USD 640.35 = USD 6,552.70.
• Revised sell at 20% markup: USD 6,552.70 × 1.20 = USD 7,863.24.
• Revised gross profit: USD 7,863.24 − USD 6,552.70 = USD 1,310.54.

Net cost rises by USD 108.02. Maintaining the markup increases the group selling price by USD 129.62. If the old USD 7,733.62 price stays, gross profit becomes USD 1,180.92 and gross margin falls to 15.27%. That margin is calculated against the unchanged sales amount, rounded to two decimals.

A revised calculation does not authorize changing a price already agreed with a client. Check quote validity, supplier payment dates and contractual commitments before deciding whether repricing is permitted. A reserve is an explicit costing assumption, not a guarantee of currency protection.

Rate approval includes the currency decision

Keep the supplier document and clause, currency, service quantity, tax treatment, approved conversion basis and reviewer together in each quote revision. Check that the rate date and payment basis match the quote’s validity and supplier commitments. Never overwrite the old basis without retaining the earlier revision.

Confirm fees, spreads, reserves, commissions, availability and any FOC conditions before approving the complete cost sheet. Use the supplier rate approval checklist; missing terms stay flagged, not estimated. A human signs off the rates and commercial rule before the client receives a quote.

This guide is an operational costing exercise, not financial advice or a promise of currency protection. Agree tax treatment with your accountant and payment terms with your finance reviewer. Opsora’s implementation offer starts with contract intake and human rate approval; your currency requirements need scoping separately.

The public demo remains USD-only, with selected-service costing and a gross-margin target. It has no automatic FX conversion or live multi-currency rate library. Use it to inspect contract intake and rate approval, not to reproduce this EUR/GBP example.

Opsora is built and run by AI agents on NanoCorp, with founder review before client delivery.