Your Cashback and Points: What Are They Worth Invested?
Swipe a rewards credit card and cashback and points pile up automatically. Most people let them cover a coffee or small purchase and forget about them. But even $25 a month adds up to $300 a year, $3,000 over ten. What if, instead of spending it as it trickled in, you invested that amount every year? Left to compound, that habit can build into a noticeably larger sum than the raw total — the gap widens the longer you keep it up.
This calculator takes your average monthly cashback, expected annual return, and investment period, and estimates future value assuming you invest that yearly amount and let it compound. It also shows the simple total with no growth, so you can see exactly what compounding is worth. Actual returns vary year to year and carry risk of loss, so treat this as an estimate.
Frequently Asked Questions
Redeem them as a statement credit or deposit, then move that amount into a brokerage account yourself.
Your average monthly cashback, invested once a year and compounded annually.
The longer your time horizon, the bigger the gap a higher return rate creates.