Cash Back Calculator

Calculate how much cash back you earn on a purchase and your effective net spend after the rebate. Free, instant, no signup.

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Formula: Cash back = Spend × Rate% | Effective spend = Spend − Cash back

How to use the Cash Back Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the cash back calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our Cash Back Calculator

Instant results. Enter your figures and the cash back calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

Free to use — premium coming soon

FREE
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  • No signup
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About the Cash Back Calculator

The Cash Back Calculator turns a credit card's reward rate into a real dollar figure so you can see exactly what a purchase or a month of spending earns you. You enter the amount you spent and the cash back percentage your card advertises, and it returns the reward you'll receive, usually credited as a statement credit, direct deposit, or gift card. It works for a single item, a category total, or your projected annual spending. Because the math is identical whether the figure is a sneaker purchase or a quarter of grocery bills, the tool is just as handy for comparing two cards as it is for double-checking a posted reward.

Reach for this calculator whenever a card quotes a rate and you want the number behind it. It is most useful when you are choosing between a flat-rate card and a tiered or rotating-category card, deciding whether an annual fee is worth paying off through rewards, or confirming that the cash back on your statement matches what was promised. Shoppers also use it before a large purchase, like an appliance or flight, to see whether putting it on a 3% card instead of a 1% card is worth the effort. Running a few quick scenarios takes seconds and prevents over-estimating what a rewards card actually pays.

Under the hood the formula is deliberately simple: cash back equals the purchase amount multiplied by the rate expressed as a decimal. A $75 purchase at 1.5% returns $75 times 0.015, or about $1.13; the same purchase at 3% returns $2.25. To work the other direction and find the rate you actually received, divide the reward by the amount spent and multiply by 100, so $30 earned on $1,000 spent is 3%. The calculator handles the decimal conversion for you, which is where manual math most often slips. For tiered cards, calculate each category separately, since a card may pay 5% on one type of spending and 1% on everything else.

Every calculation runs entirely in your browser, so the amounts and rates you type are never sent to a server, stored, or shared. The results are a precise reflection of the inputs you provide, but real-world earnings can differ for reasons the tool cannot see: many cards cap bonus rates after a spending threshold (often $1,500 per quarter on rotating cards, equal to about $75 back), some round rewards down, and a few exclude certain transactions. Treat the figure as an accurate reward estimate based on the advertised rate, and always confirm caps, exclusions, and current bonus categories in your card's terms before relying on it.

Frequently asked questions

How is cash back calculated?

Multiply your purchase amount by the cash back rate written as a decimal. For example, 2% on a $500 purchase is $500 x 0.02 = $10. The calculator converts the percentage to a decimal for you so you don't have to.

How do I find out what cash back percentage I actually earned?

Divide the reward you received by the amount you spent, then multiply by 100. If you got $30 back on $1,000 of spending, that's (30 / 1000) x 100 = 3%. This is useful for checking whether a card paid the rate it advertised.

Does the calculator account for spending caps or bonus category limits?

No. It applies the rate you enter to the full amount. Many rotating-category cards pay the bonus rate only up to a quarterly cap, such as $1,500 in spending, then drop to 1%. To model this, calculate the capped portion and the remainder separately.

How do I calculate cash back on a card with tiered or category rates?

Run a separate calculation for each category and add the results. If a card pays 5% on groceries and 1% on everything else, compute the 5% on your grocery total and the 1% on the rest, then total the two rewards.

Is cash back the same as a discount on my purchase?

Not exactly. Cash back is paid after the fact as a statement credit, deposit, or gift card, so you still pay the full price up front. It also only delivers real value if you pay your balance in full, since interest charges can quickly exceed any rewards earned.

From our blog

How to Calculate What Any Appliance Actually Costs to Run

By the Super Simple Digital Tools Team · Updated June 2026

Your electricity bill is really just one number measured over and over: the kilowatt-hour. A kilowatt-hour is what you use when a 1,000-watt device runs for one hour. Everything on your bill, the fridge, the dryer, the always-on router, gets boiled down to how many of those kWh it consumed, multiplied by a price. Once you understand that single unit, the cost of any appliance stops being a mystery and becomes a quick multiplication you can do in seconds.

Start by finding three numbers. First, wattage, which is usually printed on the appliance's nameplate, sticker, or in the manual; if you only see amps and volts, multiply them together (a 10-amp device on a 120-volt circuit is 1,200 watts). Second, the hours it runs in a typical day. Third, your rate per kWh, copied from your utility bill. With those three values the calculator handles the conversions, but it helps to know what it's doing under the hood.

The formula has two steps. Convert watts to kilowatts by dividing by 1,000, then multiply by hours to get energy used: a 1,500-watt heater for 8 hours is 1.5 kW x 8 = 12 kWh. Then multiply energy by your rate to get cost: 12 kWh x $0.17 = $2.04 per day. From there, scaling up is easy: multiply by 30 for a monthly estimate (about $61) or by 365 for the yearly figure (about $745). The same two steps work for a phone charger or a hot tub.

The biggest source of error isn't the math, it's the wattage assumption. Listed wattage is the maximum a device can draw, but many appliances don't run flat-out the whole time. A refrigerator's compressor cycles on and off, an air conditioner modulates, and a washing machine only heats water during part of its cycle. For these, your real-world cost is lower than a constant-wattage estimate, so treat such results as a sensible upper bound rather than an exact number.

To turn estimates into action, focus on the two levers you control: wattage and time. A device that's both high-wattage and runs for many hours, such as electric heating, water heating, or an EV charger, dominates your bill, so even small efficiency gains there pay off. Low-wattage gadgets matter mostly in aggregate through standby power, which can quietly add up across a whole house. Pricing each one with the calculator shows you exactly which battles are worth fighting.

  • Read your rate straight off the bill and include per-kWh delivery and supply charges, not just the advertised rate, for a truer cost.
  • For cycling appliances like fridges and ACs, treat the calculator's number as a maximum and expect your real cost to be somewhat lower.
  • Borrow or buy a plug-in energy monitor (around $25 to $50) to measure a device's actual watts instead of guessing from the label.
  • If you're on a time-of-use plan, run high-wattage devices during off-peak hours and re-run the calculation with the off-peak rate to see the savings.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

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