The planning desk
Annual fee evaluator
Value benefits you really use and compare the net result with a realistic alternative.
Use actual tracked value
Import a saved Benefits Tracker card/year.
Instead of retyping benefits, import what you actually marked as used. Cash/credits and reference values are kept separate in the source checklist.
Save a Benefits Tracker checklist first to use this shortcut.
Your scenario
Your result will appear here.
Enter your assumptions, then calculate.
The method
The math is not a black box.
Net value = usable credits + lounge value + other perks + incremental rewards − annual fees.
Read our methods & disclosuresBefore you act
Count the benefit once
A $20 lunch replaced by a lounge is not automatically worth an advertised $75 visit price. Credits on spending you would not otherwise make may have little value. Annualize multi-year benefits.
Build your foundation