Planner
Welcome Bonus Spend Planner
Most welcome offers ask you to spend a set amount within a few months. This shows whether your ordinary spending gets you there — so you never chase a bonus by buying things you would not have bought anyway.
Use only spending you would do regardless — not purchases invented to hit the target.
How this works
It compares the spend a bonus requires against what you would normally spend in the same window. If your ordinary spending gets you there, the bonus is genuinely free value. If it does not, the gap is what you would have to invent — and that is usually where the value leaks away. More in How to meet a minimum spend without overspending.
A general educational estimate, not financial advice. Never spend beyond your means to earn a bonus.