Free calculator

Is my annual fee worth it?

Count only what you actually used in the last 12 months. This is the same math as the audit in the book The Reward Architect.

Annual fee ($)

Credits you actually used ($)

Other perks you relied on ($)

Lounge visits, free nights, insurance claims, elite benefits

Extra points vs. your next-best card

Points this card earned minus what your next-best card would have earned

What a point is worth to you (cents)

Doing this for every card? Get the free 2-page audit checklist.

For your own planning, not financial advice. Nothing you type here is saved.
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