§ Tool · tier 1 · independent
Cashback Calculator.
Calculate your annual cashback earnings from credit card spending
CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
Awaiting inputs
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Cashback cards give you straightforward value - a percentage of every purchase back as cash. This calculator shows your total annual cashback and net value after fees.
§ Worked examples
Real-world scenarios
Category Cashback Card
$3,000/month total. $600 groceries at 3%, $300 fuel at 2%, rest at 1%. $100 annual fee.
Inputs
total:3,000groceries:600fuel:300fee:100
Grocery: $216/year. Fuel: $72/year. Other: $252/year. Total: $540. Net after fee: $440/year!
§ FAQ
Questions Australians ask
§ GlossaryCashback A percentage of spending returned as cash - either as statement credit, check, or deposit. Category Cap Maximum spending that earns bonus rates in a category per quarter/year. Rotating Categories Bonus categories that change quarterly - must be activated each quarter.