Cashback Calculator
Enter purchase amounts and cashback rates per category to see cashback earned, net cost, and projected annual rewards.
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Results
Enter an amount and cashback rate to see results.
Cashback Earned
$0.00
Purchase Amount
$0.00
Net Cost
$0.00
after cashback
| Purchase Amount | — |
| Cashback (2%) | — |
| Net Cost | — |
Total Cashback
$0.00
Total Spend
$0.00
Effective Rate
0.00%
| Category | Spend | Rate | Cashback |
|---|---|---|---|
| Total | $0.00 | 0.00% | $0.00 |
Annual Projection
(monthly amounts × 12)
Annual Cashback
$0.00
Annual Spend
$0.00
| Category | Annual Spend | Annual Cashback |
|---|
Summary
Enter purchase amounts and cashback rates per category to see cashback earned, net cost, and projected annual rewards.
How it works
- Enter a purchase amount and cashback percentage to get instant results in single-item mode.
- Switch to multi-category mode to add purchases across different spending categories (groceries, dining, gas, etc.), each with its own cashback rate.
- Enable the annual projection to see how much you would earn in a year based on your monthly spending per category.
- All dollar amounts are rounded to two decimal places for accuracy.
- Results update instantly as you type — no button press needed.
Use cases
- Comparing cashback earnings between a 2% flat-rate card and a 5% rotating-category card.
- Calculating total annual rewards across groceries, gas, dining, and travel categories.
- Finding the net cost of a large purchase after applying a cashback reward.
- Estimating yearly cashback before choosing a new credit card.
- Tracking monthly spending by category to maximize rewards redemption.
Frequently Asked Questions
Last updated: 2026-07-01 ·
Reviewed by Nham Vu