The planning desk
Spend-to-goal planner
See the points, eligible spending and whole months needed to reach a travel goal.
Your scenario
Your result will appear here.
Enter your assumptions, then calculate.
The method
The math is not a black box.
Months = ceiling[max(0, goal − current − expected bonus) ÷ (monthly eligible spend × earn rate)].
Read our methods & disclosuresBefore you act
Build a realistic earning plan
Variable categories, spending caps, returns, fees and award price changes are not modeled. The target stays fixed in this scenario.
Build your foundation