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📏 Understanding Pips, Lots, and Spreads

The building blocks of every trade — and how to calculate profit, loss, and cost.

Tim avatar
Written by Tim
Updated over 6 months ago

A simple guide to the numbers behind every Forex trade

Before you place your first trade, you need to understand how profits and losses are calculated. That’s where pips, lots, and spreads come in.

Let’s break it all down in plain English — no math degree needed.


📍 What Is a Pip?

A pip stands for “point in percentage” — it’s the smallest price move a currency pair can make.

For most pairs, 1 pip = 0.0001

So if EUR/USD moves from 1.1000 to 1.1001, that’s a 1-pip move.

Exception:

For pairs with the Japanese yen (like USD/JPY), 1 pip = 0.01

If USD/JPY moves from 145.30 to 145.31, that’s 1 pip.

🔑 Why it matters: Pips are how you measure your gains and losses.


📦 What Is a Lot?

A lot is the amount of currency you're trading. In Forex, there are different lot sizes:

  • Standard Lot = 100,000 units (1.00 on the platform)

  • Mini Lot = 10,000 units (0.10)

  • Micro Lot = 1,000 units (0.01)

Example:

If you trade 1 micro lot of EUR/USD, you’re buying or selling €1,000 worth.

💡 Start small. Most beginners use micro or mini lots while learning.


💰 How Much Is 1 Pip Worth?

The value of 1 pip depends on:

  • The currency pair

  • The lot size

  • Your account’s base currency

But here’s a quick example for EUR/USD:

  • 1 standard lot (1.00) = $10 per pip

  • 1 mini lot (0.10) = $1 per pip

  • 1 micro lot (0.01) = $0.10 per pip​

So, if you earn 30 pips on a trade:

  • With a micro lot, you earn $3​

  • With a mini lot, $30

  • With a standard lot, $300


🔄 What Is the Spread?

The spread is the difference between the buy price (ask) and sell price (bid).

It’s how brokers earn money on every trade.

Example:

If EUR/USD shows:

  • Buy at 1.1002

  • Sell at 1.1000

That’s a 2-pip spread.

It means when you open a trade, you start with a small loss (the spread), which must be covered before you can profit.

✔️ Lower spreads = better for traders

✔️ Major pairs usually have the lowest spreads


🧠 Why These Terms Matter

  • Pips tell you how much the market moved

  • Lots tell you how big your trade is

  • Spreads tell you your cost to enter and exit

Mastering these basics helps you:

  • Understand your risk

  • Set smart stop-loss and take-profit levels

  • Trade with confidence and clarity


✍️ Final Tip

Don’t worry about memorizing formulas right away. Instead:

  • Start with a demo account

  • Choose micro lots

  • Watch how pips and spreads affect your balance in real time

📌 The more you practice, the easier it gets.

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