Pip value, margin and lot size calculator for forex and indices

How the margin and pip calculator works

This Invvex (إنفيكس) calculator works out the margin a broker holds for a CFD trade on any commonly traded instrument (forex majors, crosses and exotics, gold, silver, platinum, oil, natural gas, stock indices such as US30, US500, NAS100, GER40 and UK100, soft commodities, crypto and single shares), the value of one pip in your account currency, the full position value, and the position size that keeps the loss at your stop-loss within a chosen percentage of your balance. Pick the instrument from a searchable list, choose a leverage from the menu or enter your own leverage or margin percentage. The price is prefilled from live quotes (Invvex prices or Yahoo Finance, with the time) and can be edited; when no live price is available you enter it yourself; conversions use the rates in the currency converter, shown with their source and update time.

The formulas

Position value = lots × contract size × price. A standard lot is 100,000 units of the base currency (mini 10,000, micro 1,000); one lot of gold (XAU/USD) is 100 troy ounces, silver 5,000 ounces, Brent and WTI 100 barrels, natural gas 10,000 MMBtu, and one lot of an index CFD is 1 × the index (1 unit of the quote currency per point). Brokers differ, so the contract size and the value per point can be overridden.

Margin required = position value ÷ leverage, converted to the account currency. At 30:1 the margin is 3.33% of the position value; at 20:1 it is 5%. Leverage and margin % are two views of the same number: margin % = 100 ÷ leverage.

Pip value = pip size × contract size × lots, converted from the quote currency into the account currency. The pip is 0.0001 for most pairs and 0.01 for pairs quoted in Japanese yen; for gold the calculator counts $0.01 ticks, so one lot moves $1 per tick and $100 per $1 move.

Position size (lots) = (balance × risk %) ÷ (stop-loss in pips × pip value of one lot).

Indices pip calculator: point value on NAS100, US30 and GER40

On index CFDs a "pip" usually means one point, a 1.0 move in the index level. Point value = value per point of one lot × lots, in the index currency, then converted to your account currency. With the common 1 × index contract, one lot of NAS100, US500 or US30 is worth $1 per point and one lot of GER40 €1 per point, so 0.10 lots is $0.10 per point.

Example: 2 lots of US30 at $1 per point and a 150-point move is 150 × $1 × 2 = $300. On a $10-per-point contract the same move is worth $3,000, so enter your broker's contract size or value per point in the calculator to override the default. Some platforms quote indices with decimals and call 0.1 a pip; what counts is the money per 1.0 point.

Worked examples

EUR/USD at 1.1000, USD account, 1 lot, 30:1: position value $110,000, margin $3,666.67, pip value $10. Risking 1% of $10,000 with a 20-pip stop gives 0.50 lots.

USD/JPY at 150.00: one pip on 1 lot is ¥1,000, which is $6.67, or AED 24.48 in a dirham account (at the 3.6725 peg). EUR/GBP at 0.8500 with GBP/USD at 1.2500: one pip on 1 lot is £10, which is $12.50.

XAU/USD at $2,000, 1 lot, 20:1: position value $200,000 and margin $10,000.

NAS100 at 21,000, 1 lot (1 × index), 20:1: position value $21,000, margin $1,050, $1 per point. US30 at 44,000 with a $5-per-point contract: value $220,000, margin $11,000 at 20:1.

GER40 at 24,000 in a EUR account, 1 lot, 20:1: margin €1,200 and €1 per point. WTI at $70, 1 lot (100 barrels), 10:1: value $7,000, margin $700, $1 per $0.01. XAG/USD at $30 with a 5% margin: value $150,000, margin $7,500.

Tiered margin

Some brokers raise the margin rate as a position grows. Switch on Tiered margin to enter your broker's tier table: each row has an upper limit, in lots or in position value in your account currency, and a margin % or a leverage; the last row applies to everything above. The figures in the templates are examples only, not any broker's terms, so copy the real tiers from your broker's contract specifications.

Progressive mode (used by most brokers that publish tiers) charges each slice of the position at its own tier rate, like tax brackets. Whole-position mode charges the entire size at the rate of the tier it falls in. A size exactly on a limit belongs to the lower tier.

Example tiers 0–5 lots 0.5%, 5–20 lots 1%, above 20 lots 5%, EUR/USD at 1.1000 (1 lot = $110,000): 12 lots progressive = 5 × $550 + 7 × $1,100 = $10,450, an effective margin of 0.79% (126.32:1); whole position = 12 lots at 1% = $13,200. At 30 lots progressive gives $2,750 + $16,500 + $55,000 = $74,250 (2.25%, 44.44:1). The breakdown table shows each tier, the effective leverage and the total; Copy result and Share link save or send the inputs.

Leverage limits for UAE retail clients

Brokers licensed by the Dubai Financial Services Authority (DFSA, DIFC) and the Financial Services Regulatory Authority (FSRA, ADGM) must collect at least 3.33% margin from retail clients on major currency pairs (30:1), 5% on other currency pairs and gold (20:1) and 10% on other commodities such as silver (10:1), under DFSA rule COB 6.16.6 and FSRA rule COBS 23.6. Leverage only changes the margin; pip value and position size do not depend on it.

Risk note: leveraged trading can lose money fast; a 1% move against a 30:1 position is a 30% loss of the margin. Results are estimates; your broker's contract specifications, prices and margin rules decide the actual figures.

Frequently asked questions