Should I pay this fare with points or cash?
Points vs Cash Calculator
Enter the cash fare, the award's taxes and fees, and the points required to get cents per point and a points-or-cash verdict against your own baseline.
Points math calculators
16 free interactive tools — the same arithmetic as the worked guides, with your numbers in the inputs. Every tool shows its formula. Pre-filled defaults are either labeled hypothetical examples or issuer rates cited with the date we checked them — never an unsourced price or valuation.
Is this buy-miles promotion actually a deal?
Mile Sale Break-Even Calculator
Enter a buy-miles sale's price per mile, bonus percentage, and purchase taxes to get the effective cost per mile and compare it against the redemption value you expect.
Which of my bank points should I transfer for this award?
Which Bank's Points Should You Transfer for This Award?
Enter an award's price and your Chase, Amex, Citi, Capital One and Bilt Rewards balances to see what the award costs from each at its printed ratio, Citi card tier, running bonus and Amex fee, and the cheapest way to cover it.
Which transfer currency, or which pair, reaches the programs I book?
Which Transferable Points Reach Your Airlines and Hotels?
List the airline and hotel programs you book: see how well Chase, Amex, Citi, Capital One and Bilt each reach them at printed ratios, and which pair does best.
How much does this transfer bonus actually save me?
Transfer Bonus Calculator
Enter an award's price in partner miles, the transfer ratio and the bonus to see how many of your points the award really costs, how many the bonus saves, and the effective value per point. Chase, Amex, Citi, Capital One and Bilt ratios pre-fill.
What does hoarding this balance cost me per year?
Devaluation Drag Calculator
Enter a points balance, a conservative value per point, and an assumed annual devaluation rate to see the yearly dollar drag and a year-by-year erosion table.
Is this “free” award actually cheaper than the cash ticket?
Award True-Cost Comparer
Enter the cash ticket price, the award's taxes and fees, the points required, and your value per point to compare the award's true all-in cost against just paying cash.
Is flying to another city for a better award worth it?
Positioning Flight Calculator
Compare the award from your home airport with a better award from another city plus the positioning flight, bags, hotel and a backup reserve, and get the net result and the value per point at which positioning starts to pay.
How many Marriott points do I transfer for this award, and is it worth it?
Marriott Points to Miles Calculator
Enter the miles an award needs and the airline to get the smallest Marriott transfer that covers it, with the 60,000-point bonus counted, and whether the flight beats using the same points for hotel nights.
Should I pay for this hotel stay with points or cash?
Hotel Points vs Cash Calculator
Price a whole hotel stay both ways, with the room tax and resort fee the cash rate carries, the fee an award stay may still charge, and the fourth- or fifth-night-free rules of Marriott, Hilton and IHG, to get the value per point and a points-or-cash verdict.
Should I upgrade with miles, book the award, or pay cash for the better seat?
Upgrade With Miles Calculator
Price the better cabin three ways on one flight: an upgradeable fare plus miles and co-pay, an outright award, or cash. See what the better seat really costs over the cheapest fare and the value per mile at which the upgrade beats the award.
How many points do I need for this flight — and when will I have them?
How Many Points Do I Need for a Flight?
Enter a route's cash fare, the redemption value you expect, your current balance, and your monthly earning to see how many points the flight needs, your gap, and the months until the award is funded.
What are my Chase points worth in dollars?
Chase Points to Dollars Calculator
Convert a Chase Ultimate Rewards balance to dollars three ways side by side — cash back, Chase Travel, and a transfer partner at your own cents per mile — using Chase's published rates, dated and cited.
What are my Amex points worth in dollars?
Amex Points to Dollars Calculator
Convert an Amex Membership Rewards balance to dollars three ways side by side — statement credit, Amex Travel, and a transfer partner at your own cents per mile — using American Express's published rates, dated and cited.
What are my Citi ThankYou points worth in dollars?
Citi ThankYou Points to Dollars Calculator
Convert a Citi ThankYou balance to dollars three ways side by side — cash back, Citi Travel, and a transfer partner at your own cents per mile — with Citi's card-by-card published rates and ratios, dated and cited.
What are my Capital One miles worth in dollars?
Capital One Miles to Dollars Calculator
Convert a Capital One miles balance to dollars three ways side by side — cash, travel, and a transfer partner at your own cents per mile — with Capital One's published transfer ratios, dated and cited, and your own redemption rates.
Points Value Index
About the index →The four points-to-dollars calculators share their inputs with the Points Value Index (September 2026): cash-out, travel-portal, and transfer-ratio values for Chase, Amex, Citi, and Capital One, computed from each issuer’s published rates and cited with the date we checked them.
Tools run the math; guides show it
Each calculator implements a formula from a worked guide, where the same arithmetic is written out step by step with its assumptions and failure modes. If a verdict surprises you, read the paired guide linked on the tool’s page — then re-run the tool with today’s numbers from the actual checkout screens.