Credit-card and bank bonuses only help FI if you meet the spend with purchases you already needed — and pay the balance in full. This tool shows net year-one value after fees and whether the required spend fits your normal budget.
Net year-1 value
$586.00
Bonus + rewards − fee
Pace to hit spend
$833
Per month in the window
Extra spend needed
$200
Above your usual budget
Stewardship check
You would need about $200 in extra purchases to hit the bonus. Only chase that if those buys were already on the family list (tuition, groceries, planned vehicle costs). Manufactured spend is not FI progress.
Illustrative only. Issuer terms, category exclusions, and tax treatment of bonuses vary. Prefer no-interest carryover — rewards never beat revolving balances.
Compare real card and bank offers on the Tools page, and stack everyday purchases with the Triple Savings guide.
Next: read the sequence
What to do with the number, before another tool or another calculator.
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