Reward Maximizer
Earn cashback on every spend
₹
₹0₹50,000
₹
₹0₹50,000
₹
₹0₹30,000
₹
₹0₹30,000
₹
₹0₹20,000
Total Annual Value
₹15,360/yr
Earned via cashback & points
Monthly Value:₹1,280
Highest Category:Online Shopping
Mathematical Formula
How is Reward Value Estimation calculated?
Annual Value = Σ (Monthly Spend in Category × Category Reward Rate) × 12
Worked Example
If you spend ₹10,000 on Travel (at a 5% reward rate) and ₹15,000 on Online Shopping (at a 3% reward rate) every month. Your monthly cashback will be (10,000 × 0.05) + (15,000 × 0.03) = ₹500 + ₹450 = ₹950 per month. Over a year, this amounts to ₹950 × 12 = ₹11,400 in pure savings or free flights!
How to Use This Calculator
1
Estimate your average monthly spending across different categories like Travel, Groceries, and Online Shopping.
2
Use the sliders to input these amounts.
3
Instantly see how much free money or reward points you are leaving on the table if you use cash or debit cards.