An independent FX pip reference, reviewed by a working FX trader.
fofinance.xyz publishes a single calculator with one job: convert FX pip movements into the trader's account currency, account for cross-rate conversion correctly, and report margin requirements at the chosen leverage. Reviewed by an ACI-qualified prop FX trader.
Why this site exists
The single most-cited operational error in retail FX is forgetting to convert pip value into the account currency. Most online pip calculators report pip value in the quote currency and stop there. Useful for quoting purposes; misleading for risk management. fofinance.xyz publishes the cross-rate-aware figure correctly — the same calculation a regulated FX desk runs in the moments before placing a client order.
Editorial principles
- Cross-rate aware. Every pip-value figure is converted into the trader's account currency via the bundled cross-rate table.
- Standard lot conventions. Standard, mini, micro lots follow the canonical 100k / 10k / 1k base-unit definitions. Custom-units mode for unusual broker conventions.
- Realistic leverage caps. Default 1:30 (EU retail majors). The calculator allows higher values but flags retail-regulation thresholds where applicable.
- Named accountability. Hadrien Rouvière is the responsible reviewer. His ACI Dealing Certificate is verifiable through ACI Financial Markets Association's member directory.
- No commercial relationships. The site does not earn referral fees from any FX broker, prop firm, or trading-education service.
- Privacy by architecture. Trade size, pip movement, and risk-budget figures stay in your browser.
The team
fofinance.xyz operates as a one-person editorial project alongside Hadrien's risk-analysis practice. Hadrien reviews every release of the calculator and every page of reference content before publication. He holds final editorial authority and is the named accountable person for every figure on the site.
A part-time data engineer in Paris maintains the cross-rate refresh pipeline (downloading ECB and major-bank reference rates each Monday morning before the European session and updating the bundled table). The engineer is named in the public changelog only when their input has produced a substantive change.
Verification methodology
- Reference cases. 36 input/output pairs covering 18 currency pairs across three lot sizes, every release verified against MetaTrader 5 and Bloomberg FX.
- Cross-rate consistency. A round-trip test (USD → quote → account → USD) must reconcile within 1e-6 floating-point tolerance.
- Weekly rate refresh. Bundled cross-rate table refreshed each Monday before the European session open. Refresh date is stamped on the calculator.
- Margin reconciliation. Required margin = notional / leverage, cross-checked against IG, OANDA, and Saxo retail-broker margin disclosures.
What this site is not
- Not regulated investment advice. The calculator is operational math. For specific FX strategy recommendations, consult an FCA-authorised firm. Verify any UK firm via the FCA Register.
- Not a trading platform. We do not execute trades, hold customer funds, or interface with any broker.
- Not for ESMA/CFTC compliance reporting. Margin reporting for regulated retail-FX accounts has additional requirements not covered here.
- Not for exotic pairs. The bundled rate table covers majors and popular crosses. Exotic-pair pip values require separate cross-rate sourcing.
Get in touch
Calculation queries, cross-rate discrepancies, content corrections, and partnership enquiries are all handled through the contact page. We commit to acknowledging every well-formed message within 24 business hours.