Credit Card Savings Calculator

How this works

Calculate your net annual savings from a credit card — rewards, lounge access, and fuel waivers vs fees.

The calculator takes 3 inputs (card tier, monthly spend, years to evaluate) and produces 6 outputs (joining fee (net), annual fee (net), annual rewards earned, total annual benefit, net annual savings, net lifetime savings). All formulas are published below — no hidden assumptions, no sign-up wall, no data sent to a server.