Points to the T

Tools

Free calculators and trackers built for everyday points collectors. No sign-up, no upsells.

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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.

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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 โ€” with and without the bonus.

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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.

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Card Optimizer

Tell us what you're buying. We tell you exactly which card to swipe.

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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.

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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.

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Minimum Spend Tracker

Paste in your spend requirement and deadline. See if you're on pace โ€” and exactly how much you need to spend per week to hit it.

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Point Runway Calculator

Enter your current balances and monthly earn rates. Find out exactly when you'll have enough points for your target trip.

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Transfer Partner Comparison

Pick a route and cabin class. See every program that can book it, the points cost, and the effective CPP โ€” side by side.

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