Yes, I’ll have to get going on a spreadsheet - yours looks a practical approach. Not so difficult as each month I do a ‘Wise’ transfer for the rent.
I’ve found at the moment timing is everything - From November to now the rate has moved between 1.06 and 1.18 - that’s almost a 100 euro’s difference on the bill. Went from hitting 1.18 to 1.15 in 3 days from the 5th April…
For state pension in practical terms a comparison could be done? - because effectively you would compare the euro amount to what you would get doing a Wise transfer the day it would be paid in sterling? As if it was being paid sterling that’s what you might do?
Sorry if drifting slightly off topic here into currency hedging / speculation - I’m finding the key issue is not which box to put a number in, it’s determining the numbers themselves!