Browser-only calculator
Inputs stay in your browser. Use rounded assumptions, not private account details.
How to use
- Enter conservative values for fees, credits, points, taxes and savings you can personally verify.
- Use the result to identify whether the next step is keep, downgrade, compare cash, or verify official terms.
- Open the official issuer, bank, hotel or airline pages before applying, booking, transferring points or product-changing a card.
Official verification box
- Verify current annual fees, benefit caps, eligibility, transfer ratios, taxes, cancellation rules and account-specific offers on official pages.
- Do not rely on screenshots, social posts or outdated offer pages for financial or travel decisions.
- For credit-card changes, confirm whether a product change, downgrade or closure affects rewards, fees, credit lines or benefits.
Commercial next steps
Related Omellody tools
FAQ
Can this decide whether I should keep a card or transfer points?
No. It organizes math only. Your account terms, eligibility, credit profile, travel needs and official program rules control.
What data is stored?
Nothing is submitted by this page; the calculator runs locally in your browser.
Disclaimer
This is educational content and not personalized financial, tax, legal, credit, banking, insurance, travel booking or professional advice.