Cashback value calculator

Rewards against the annual fee.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Monthly card spend

Cashback rate

1.5%

Annual fee

Net cashback

$337

Gross cashback

$432

With these inputs, net cashback comes to $337. Gross cashback works out to $432. The result assumes cashback rate stays at 1.5%.

What moves the number · Net cashback

Input	−10%	Now	+10%
Monthly card spend	$293.8	$337	$380.2
Cashback rate	$293.8	$337	$380.2
Annual fee	$346.5	$337	$327.5

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Rewards against the annual fee.

With the defaults above, net cashback works out at $337.