---
title: ToolRouter — Agent Use Case Guide
description: Step-by-step guide for completing a task with a specific AI agent using ToolRouter.
url: https://toolrouter.com/tools/currency-exchange/use-cases/calculate-cross-border-costs/claude
---
# How to Calculate Cross-Border Costs with Claude

Claude dissects cross-border payment costs with analytical thoroughness, converting at the market rate and comparing against your bank's spread to quantify hidden fees. It models payment timing scenarios, calculates break-even points for hedging, and asks follow-up questions about your payment patterns to optimize your FX cost structure.

## Setup

claude mcp add toolrouter -- npx -y toolrouter-mcp

## Steps

1. Connect ToolRouter: claude mcp add toolrouter -- npx -y toolrouter-mcp
2. Ask Claude: "Convert $50,000 USD to EUR at the current market rate using currency-exchange"
3. Claude shows the market rate conversion
4. Ask: "My bank offers 1.05 EUR/USD -- how much am I losing vs the market rate?"
5. Calculate the true cost of the international payment

## Example Prompt

```
I need to pay a supplier 100,000 EUR. Convert from USD at the market rate. My bank charges a 1.5% spread -- what is the total cost including the spread?
```

## Tips

- Claude can calculate the hidden cost of bank and payment provider FX spreads
- Ask for the cost comparison between paying now vs waiting for a better rate
- Factor in wire transfer fees alongside the FX cost for true total cost
