Tools
Free calculators and trackers built for everyday points collectors. No sign-up, no upsells.
Hotel Cash vs. Points Calculator
Enter any hotel's nightly cash rate and points cost. Instantly see your cents-per-point value, compare against program benchmarks, and decide whether to pay cash or burn points.
Open tool →🔄Transfer Bonus Calculator
Enter your points, pick your program and transfer partner, then set the bonus %. See exactly how many points land in your account — with and without the bonus.
Open tool →New🃏Card Stack Optimizer
Enter your monthly spend by category. We find the optimal combination of cards and show exactly which card to swipe for each purchase.
Open tool →💳Card Optimizer
Tell us what you're buying. We tell you exactly which card to swipe.
Open tool →New🔄Should I Renew?
Check off the perks you actually used this year. See your real effective annual fee and get a keep/downgrade/cancel verdict.
Open tool →New🧮Is This Bonus Worth It?
Enter any card's welcome bonus and annual fee. Get the true first-year value, break-even spend, and a plain-English verdict.
Open tool →New📈Minimum Spend Tracker
Paste in your spend requirement and deadline. See if you're on pace — and exactly how much you need to spend per week to hit it.
Open tool →New🛫Point Runway Calculator
Enter your current balances and monthly earn rates. Find out exactly when you'll have enough points for your target trip.
Open tool →New⚖️Transfer Partner Comparison
Pick a route and cabin class. See every program that can book it, the points cost, and the effective CPP — side by side.
Open tool →