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Cashback Calculator

Enter your monthly spend and cashback rate to instantly see how much you earn per month and per year.

Monthly cashback30
Yearly cashback360

Note: Results are estimates. Actual rewards may vary by provider and program rules.

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About this calculator

This tool estimates your rewards from a flat cashback rate. Enter your monthly spend and the program’s percentage rate to instantly see your expected monthly and yearly cashback. Use it to compare providers or test different spending scenarios.

Assumptions

  • Flat cashback rate with no tiers or category multipliers.
  • No caps, minimums, or redemption fees applied.
  • Rewards are calculated on total monthly spend you enter.

Formula

Monthly cashback = monthlySpend × (cashbackRate ÷ 100)
Yearly cashback = monthlyCashback × 12

Example

If you spend 1,200 per month at 2.5% cashback: monthly = 30.00, yearly = 360.00.

Tips

  • Consider annual fees or maintenance costs to get net rewards.
  • Some programs offer higher rates for specific categories; adjust your numbers accordingly.
  • Introductory or promo rates may be time-limited; recalculate after the promo period.