How to Use This Calculator
Enter your total monthly spending and the cash back percentage your card offers. If your card has different rates for different categories (like 3% on gas, 2% on groceries), click "Use Category Breakdown" to enter specific amounts for each spending category along with their cash back rates.
Don't forget to add any annual fee your card charges. Hit calculate and you'll instantly see your monthly and yearly cash back, both before and after the annual fee is deducted. This helps you understand if you're earning enough rewards to justify paying that annual fee.
