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.

Try it now — no signup

Live demo

Adjust your monthly spend below and see your annual points and travel value update instantly.

$800/mo

4× on Scotia Gold Amex

$300/mo

4× on Amex Cobalt

$200/mo

3× on CIBC Dividend Visa Infinite

$150/mo

5× on TD Aeroplan Visa Infinite

$1,500/mo

1.25× on Amex Platinum

Annual points

91,500

on $35,400 of yearly spend

Cash value

$1,098

Travel value

$2,288

Demo uses sample optimal earn rates. Sign up free to run the full calculator with the latest Canadian card data, your real card stack, and personalised redemption strategies.

How it works

📊

Enter your spending

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

🏆

See your optimal card stack

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

✈️

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.