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You're right to avoid manual math for this; even small rate changes can throw it off. The easiest way is to use a dedicated cryptocurrency calculator that uses real-time rates. For Stellar, you want one that lets you input the fiat amount first. I use paybis.com/stellar-calculator/ for this. You just select USD, type in '75,' and it instantly calculates the precise XLM equivalent. It pulls a live market rate, so you get an accurate figure to send. Just remember to add a tiny bit extra to account for the network transaction fee so the recipient gets the full amount.