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Savings Stack Calculator: What Your Cards and Apps Really Earn

By Mike · Updated October 17, 2026 · 2 min to use
Rates based on our own tested payouts, not marketing numbers

Tell us what you spend, which apps you already use and what your card pays. You get what you earn now, what the full stack would earn, and the single move worth the most. It all runs in your browser: nothing you type is saved or sent anywhere.

1 What you spend in a normal month

2 What you already use

Check everything you are actively using today.

3 What your card pays

The card you use most. Pick the closest shape, then adjust the rates to match. If you carry several cards, enter the best rate you can get in each category.

You earn now
$0
per year
Full stack
$0
per year
Left on the table
$0
per year
Full stack is $0 a month.
CategoryYou nowFull stackLeft
Groceries$0$0$0
Gas$0$0$0
Online shopping$0$0$0
Dining out$0$0$0
Total per year$0$0$0
Your biggest moves, best first
    Card showing your estimated stacked savings
    Download image

    What you enter stays in your browser. We do not collect, save or send it.

    Where these rates come from: Ibotta about 4% on groceries and Fetch about 1% flat, both from our own testing. Upside about 6% on gas. Rakuten about 3% online. Dining programs and Seated count as 9%, a conservative read of the layers in our dining stack worked example. The full stack column also assumes a card paying the typical rate in each category: about 3% on groceries, 2% on gas, 2% online and 3% on dining. If your card already beats that, the calculator uses your rate. Your real numbers will vary by store, card and region, this is a realistic estimate, not a promise.

    Closing the gap

    The full stack column is the ceiling. Getting there takes the same four habits we use ourselves: Ibotta checked before a grocery run, Upside claimed before every fill-up, Rakuten clicked before anything online, Fetch scanning every receipt regardless. Full walkthrough in the stacking guide, and the dining-specific version in the dining stack.

    The card layer: the right card for each purchase

    Every stack in our guides sits on top of a card, so which card you use matters as much as which apps. If the calculator shows a gap in the card rows, the cheapest fix is often using a card you already have for the right purchase, not opening a new one. We are not pitching you a credit card here.

    If you carry several cards, an app can keep track of which one to use where. MaxRewards keeps your cards, benefits and card-linked offers in one place and suggests the best card to use. We have not tested it yet, so this is a pointer, not a recommendation from our own use.

    FAQ

    Are these numbers guaranteed? No, they're estimates built from our own tested average payout rates, real results depend on your store, region, offers available and how consistently you use each app. Why does dining have the highest rate? Because it stacks the most layers at once, an airline dining program, a booking app like Seated, an app offer and card rewards, all on the same check. See the full breakdown. Do I need all the apps to get close to the full stack number? No, even using two or three consistently gets you most of the way there. The full stack column assumes you use every app and a card that pays the typical rate in each category. Do you save or collect what I enter? No. The numbers you type stay in your browser. We don't collect them, save them or send them anywhere. The only thing that leaves the page is what you choose to share. Which card should I enter? The card you use most for everyday spending. Pick the closest shape from the list or type your own rates. If you carry more than one card, enter the best rate you can get in each category.