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 toolPoints Depreciation Calculator
See what your points lose every year they sit unused.
Open toolStay sharp
The weekly points brief
One sharp, no-nonsense insight on points and miles strategy each week. No spam, unsubscribe anytime.
These tools give general educational estimates, not financial advice. The real value of any card or redemption depends on your specific circumstances.