Free Tool

Spend Calculator

Plug in your real monthly spending and instantly see how many points you'd earn — and what they're actually worth in flights, hotels, and cash.

Spend Calculator showing monthly spending inputs, annual points earned, cash value, and optimal card routing table

How it works

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Enter your spending

Input monthly amounts across 8 categories — groceries, dining, gas, travel, utilities, insurance, rent, and business expenses.

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See your optimal card stack

Our engine compares every major Canadian credit card and routes each category to the highest-earning card automatically.

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Know your travel value

See the cash value of your points plus the optimized travel value — typically 2–4× higher when redeemed for flights and hotels.

What the calculator shows you

✓Annual points earned across all programs
✓Cash-equivalent value of your points
✓Optimized travel redemption value (2–4× cash)
✓Best credit card for each spending category
✓Recommended card stack ranked by impact
✓Value multiplier vs. cash-back redemption

Start optimizing your points today

Create a free account and run your first calculation in under 2 minutes.