Free tools
Points Calculators
Five free calculators for the arithmetic that decides whether a points booking is actually a good deal: what a redemption returns per point, what a transfer bonus really lands, whether to spend points or pay cash, whether an annual fee earns its keep, and what a whole portfolio is worth. All of them run in your browser. Nothing is saved, nothing is sent anywhere, and none of them asks you to sign up.
Cents Per Point Calculator
Work out what a specific redemption is actually returning, fees subtracted.
Transfer Bonus Calculator
See how many partner points a bonus actually lands, including non-1:1 base ratios.
Cash or Points Calculator
One booking, both ways. Whether to spend the points or keep them and pay.
Card Break-Even Calculator
Whether an annual fee is earning its keep once credits and points are counted.
What Are My Points Worth?
Total every balance you hold at a cents-per-point figure you control. No account needed.
Why these are free and unsigned
Every one of these calculations is arithmetic on numbers you already have. Putting a signup wall in front of them would be a way of charging you for division. They are here because the tool behind them is worth having, not because the arithmetic is.
There are no affiliate links on this site and no "apply now" buttons, so nothing here has a reason to push you toward a particular card. The disclosure page spells out exactly how that works, including the one thing that genuinely does need disclosing.
New to this?
If the inputs on these pages are not yet familiar, start with the guides rather than the tools. Cents per point explains the measure the other four depend on, and Points 101 covers the rest from the beginning.
These calculators answer one question each. The tracker answers them continuously. Points Commander keeps every balance, counts down every card credit against its reset date, and plans award trips from the points you actually hold. Free, no affiliate links, no bank login.