Free calculator
Annual Fee Value Calculator
Add only the credits and benefits you really use to see whether a card earns its place in your wallet.
About these estimates
Results depend on the numbers you enter and may not reflect caps, exclusions, merchant coding, taxes, or changing issuer terms. Check the card agreement before making a financial decision. Information entered here stays in this browser.
Common questions
How should I value a statement credit?
Count the amount of spending it naturally replaces after restrictions and extra costs, not automatically its face value.
Does this calculator require a bank connection?
No. It uses only the assumptions you choose to enter.