Finance Tools
Annual Fee Break-even Calculator
Calculate whether a credit card’s annual fee is worth it based on your spending and rewards rate.
Results
Enter values and click Calculate.
How to use this annual fee break-even calculator
- Enter the card’s annual fee.
- Enter your rewards rate (cashback % or equivalent value per $1 spent).
- Enter your estimated monthly spending.
- Optionally add a signup bonus value and whether the first-year fee is waived.
- Click Calculate to see break-even spending and estimated net value.
Example
If a card has a $95 annual fee, offers 2% cashback, and you spend $800/month, this calculator estimates:
- Your annual rewards value from spending.
- How much monthly spending is needed to break even on the annual fee.
- How many months it takes to break even at your spending level.
- Your estimated net gain or loss after one year.
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