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Advanced cashback calculator with 6 powerful modes: Standard, Credit Card, Category, Compare, Annual & Optimizer. Calculate cashback rewards, compare credit cards, and maximize your savings with multi-currency support.
A cashback calculator is an essential financial tool that helps you calculate the rewards you earn from credit card purchases, shopping portals, and cashback programs. It shows you exactly how much money you'll get back based on your spending and cashback rates across different categories.
Our advanced calculator offers 6 specialized modes to handle every cashback scenario - from simple purchase calculations to complex multi-card optimization strategies. Whether you're comparing credit cards, planning annual spending, or maximizing category bonuses, our calculator provides accurate insights to help you earn more rewards.
Calculate cashback on any purchase instantly. Enter your purchase amount and cashback rate to see how much you'll earn. Perfect for quick calculations and everyday shopping decisions.
Cashback = Purchase Amount × (Cashback Rate / 100)
Example: ₹10,000 purchase with 2% cashback → ₹200 cashback earned
Compare pre-loaded credit cards with different category rates and annual fees. See net cashback after deducting annual fees and including signup bonuses. Choose from Premium Rewards, Cash Back Plus, Unlimited Cashback, and Elite Rewards cards.
Example: Premium Rewards card with ₹12,000 annual spending → 3% on dining, 3% on travel, 2% on gas, 1% on other → Net cashback after ₹95 annual fee
Break down your spending by category (Groceries, Gas, Dining, Travel, Shopping, Other) and apply different cashback rates to each. See total cashback across all categories and optimize your card usage.
Example: ₹500 groceries (5%) + ₹200 gas (3%) + ₹300 dining (3%) → Total ₹40 cashback
Compare unlimited credit cards side-by-side. Add cards with their rates, annual fees, and spending amounts. Automatically identifies which card gives you the best net cashback for your spending level.
Features: Multi-card comparison, net cashback calculation, best deal highlighting, add/remove cards dynamically
Calculate your total annual cashback based on monthly spending. See if premium cards with annual fees are worth it by comparing gross cashback vs. net cashback after fees. Plan your yearly rewards strategy.
Example: ₹1000/month × 12 months = ₹12,000 annual spending × 2% = ₹240 cashback - ₹0 fee = ₹240 net
The most advanced mode! Enter your spending across all categories (Groceries, Gas, Dining, Travel, Shopping, Other) and our optimizer analyzes all available cards to recommend the best one for your specific spending pattern. Includes signup bonuses and annual fees in the calculation.
Smart Recommendation: Based on your ₹500 groceries, ₹200 gas, ₹300 dining, ₹400 travel, ₹600 shopping, ₹500 other → Recommends "Cash Back Plus" with ₹XXX optimized cashback
Calculating cashback is straightforward. The cashback percentage tells you what portion of your purchase amount you'll receive back as a reward.
1. Calculate Cashback Amount:
Cashback = Purchase Amount × (Cashback Rate / 100)
2. Calculate Effective Price:
Effective Price = Purchase Amount - Cashback
3. Calculate Net Annual Cashback:
Net Cashback = Total Cashback - Annual Fee + Signup Bonus
Example: Calculate 2% cashback on ₹5000
To calculate cashback, multiply your purchase amount by the cashback rate. For example, ₹1000 purchase with 2% cashback = ₹1000 × 0.02 = ₹20 cashback earned. Use our Standard mode for quick calculations.
Cashback is actual money credited back to your account (e.g., 2% = ₹20 on ₹1000), while rewards points are redeemable points that may have varying values depending on redemption options. Cashback is more straightforward and valuable.
Credit cards offer different cashback rates for different categories. For example: 5% on groceries, 3% on gas, 2% on dining, and 1% on everything else. Our Category mode helps you maximize rewards across all spending categories.
It depends on your spending. If your annual cashback exceeds the annual fee, it's worth it. Use our Annual mode to compare net cashback (total cashback minus annual fee) across different cards and determine if premium cards justify their fees.
Use our Optimizer mode to analyze your spending by category and find the best card. Use category-specific cards for maximum rates, pay balances monthly to avoid interest charges, combine multiple cards strategically, and track spending to maximize category bonuses.
Net annual cashback is your total cashback earned minus the annual fee plus any signup bonuses. For example: ₹5000 cashback - ₹500 annual fee + ₹1000 signup bonus = ₹5500 net cashback. This is the actual benefit you receive.
The best cashback card depends on your spending patterns. Use our Compare mode to evaluate multiple cards based on your actual spending. Cards with 5% on groceries are best for grocery shoppers, while 3% on travel suits frequent travelers.
Category-wise cashback offers different rates for different spending types: groceries (5%), gas (3%), dining (3%), travel (2%), shopping (2%), and other (1%). Our Category mode calculates total cashback across all your spending categories automatically.
Yes! Using multiple cards strategically maximizes rewards. Use one card for groceries (5% cashback), another for gas (3%), and a third for everything else (1.5%). Our Optimizer mode helps you create the perfect multi-card strategy.
The Optimizer mode analyzes your spending across all categories (groceries, gas, dining, travel, shopping, other) and recommends the best credit card from our database. It considers category rates, annual fees, and signup bonuses to maximize your total cashback.
Signup bonuses are one-time rewards (typically ₹1000-₹5000) added to your first year's cashback. Our calculator includes signup bonuses in net cashback calculations, showing you the true first-year benefit of premium cards with annual fees.
Yes! Our cashback calculator is completely free with all 6 modes: Standard, Credit Card, Category, Compare, Annual & Optimizer. No registration required and unlimited calculations with multi-currency support.
Our cashback calculator is developed by financial technology experts with deep understanding of credit card reward systems. All calculations follow standard financial formulas used by banks and credit card issuers. We regularly update our calculator to reflect current market practices and ensure accuracy.
Your privacy is our priority. All calculations are performed locally in your browser - no data is sent to our servers. We don't collect, store, or share any of your financial information. Our calculator is completely free with no hidden fees, registration requirements, or data collection.
Our calculator uses industry-standard formulas for all cashback calculations. We provide transparent breakdowns of:
This calculator provides estimates based on the information you provide. Actual cashback may vary based on your credit card's terms and conditions, spending caps, category restrictions, and promotional offers. Always verify with your card issuer for exact cashback rates and terms. This tool is for educational and planning purposes only and does not constitute financial advice.