A CLEARER WAY TO PLAN

Earn. Hold. Redeem.

Start with a normal month.

Add your cards and spending categories. Enter merchant shares when you use a retailer or airline-specific card. Unassigned spend remains in its general category rather than receiving a merchant-only bonus.

Look beyond the headline multiplier.

Compare the value of the points earned, not just the number of points. Account for earning caps, direct versus portal booking, card fees, and credits you will actually use.

Count each balance once.

Enter one total for each rewards program, even when several cards earn the same currency. Cash, portal, airline, and hotel scenarios are alternative uses of those points, not values to add together.

Check the assumptions.

Point valuations are planning estimates. Transfer eligibility, ratios, bonuses, fees, minimums, and award availability can change the result. Confirm program terms before moving points or making a purchase.

Separate recurring value from first-year offers.

Welcome bonuses are optional and require confirmed eligibility and qualifying spend. The app keeps those estimates separate from recurring annual value.

Use now versus hold is a scenario.

The future comparison includes newly earned points and any value reduction you enter. It does not predict award inventory or establish that delaying a trip is a better choice.