Finance

Cash Back Calculator

Calculate your annual cash back rewards based on spending categories and card reward rates.

Groceries ($/mo)

Groceries Rate (%)

Gas/Transport ($/mo)

Gas Rate (%)

Dining/Restaurants ($/mo)

Dining Rate (%)

Online Shopping ($/mo)

Online Rate (%)

All Other Spending ($/mo)

Base Rate (%)

Annual Fee ($)

Formula:
Cash Back = Σ(Monthly Spend × Rate%) × 12
Net Rewards = Total Cash Back − Annual Fee

Maximizing Cash Back Rewards

Cash back credit cards return a percentage of your purchases as cash rewards. The key is matching your spending patterns to cards with the highest rates in your top categories.

Common Cash Back Structures

Flat rate: 1.5-2% on all purchases (simple, no tracking)
Tiered: 3-5% in bonus categories, 1% on everything else
Rotating: 5% in quarterly categories (requires activation)