Cash Back Calculator

Calculate how much cash back you'll earn based on your spending habits and card rewards rates.

🛒 Groceries ($)

Cash Back %

⛽ Gas ($)

Cash Back %

🍽️ Dining ($)

Cash Back %

✈️ Travel ($)

Cash Back %

🛍️ Other ($)

Cash Back %

Annual Fee ($)

Net Annual Earnings

$456.00

($38.00/month)

Groceries (3% on $500.00)

$15.00/mo

Gas (2% on $200.00)

$4.00/mo

Dining (3% on $300.00)

$9.00/mo

Travel (1% on $200.00)

$2.00/mo

Other (1% on $800.00)

$8.00/mo

Total Spending: $2,000.00

💡 Tip: Your effective cash back rate is 1.90% across all categories.

Cash Back Categories Explained

Same rate on everything. Simple, no category tracking. Best for: People who want set-it-and-forget-it rewards.

Higher rates on specific spending (groceries, gas, dining). Best for: People with predictable spending patterns.

Quarterly rotating 5% categories (must activate). Best for: Organized spenders who track promotions.