finance
Cash Back Calculator
Estimate the rewards you earn from a cash-back rate on your spending.
$
%
Cash back per year
$240.00
Rewards earned over twelve months at this spend.
Per month
$20.00
Per year
$240.00
How it works
- 1Enter your typical monthly spend.
- 2Enter the card’s cash-back rate.
- 3See the rewards you earn per month and per year.
Use cases
- Estimate yearly rewards from a cash-back card.
- Compare two cards with different rates.
- See whether an annual fee is worth the rewards.
Frequently asked questions
How is cash back calculated?
Cash back = spend × rate. At 2% on $1,000 of monthly spend you earn $20 a month, or $240 a year.
Does it account for category bonuses or caps?
No. It uses a single flat rate. For tiered cards, run each spending category separately and add the results.
Is my data stored?
No. Everything runs in your browser.
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