Tools
Free calculators for points and miles
A small, honest set of tools to help you make sharper decisions — no sign-up, nothing to install. Each one does a single job well, in the same plain-spoken spirit as the rest of the site.
Reward Stacking Calculator
See every point a single booking earns — card, portal, and airline or hotel — in one place.
Open toolCents Per Point Calculator
Find the value per point of any redemption, and whether to use points or pay cash.
Open toolAnnual Fee Break-Even
Weigh a card's fee against the perks you will actually use, and see the yearly net.
Open toolWelcome Bonus Spend Planner
Check whether your normal spending meets a bonus minimum, without overspending.
Open toolPoints to Dollars
Turn a points balance into an estimated cash value you can compare against a price.
Open toolTransfer Bonus Calculator
See how many miles a points transfer yields once a promotional bonus is applied.
Open toolCredit Utilization Calculator
Find your utilization from balance and limit, and whether it sits in a healthy range.
Open toolForeign Transaction Fee
See what spending abroad really costs when a card adds a foreign transaction fee.
Open toolThese tools give general educational estimates, not financial advice. The real value of any card or redemption depends on your specific circumstances.