Cash Back & Low Interest Calculator

Compare card reward outcomes and estimate low-interest loan savings with amortization and charts.

Cash Back Formulas

- Total Cash Back = Sum(spend by category x reward rate).
- Net Rewards = Total Cash Back - Annual Fee.
- Effective Reward Rate = Net Rewards / Total Spending.
- Break-even = Annual Fee / Monthly Cash Back.

Loan Formulas

- PMT = P x r x (1+r)^n / ((1+r)^n - 1).
- Interest Savings = Standard Interest - Low Rate Interest.
- Extra prepayment reduces term and total interest paid.

Currency

Reward Type

Total Spending

Annual Fee

Flat Reward Rate (%)

Calculation History

Date	Type	Details
No saved history.