Enter your real monthly spend. We calculate the optimal card stack, exact point yields, and show you exactly how much you leave on the table with a flat-rate card.
Earning more points is only half the equation. A solid budgeting system ensures you never carry a balance — which would erase every dollar of rewards you earn.
YNAB uses zero-based budgeting — every dollar of income gets assigned a specific job before you spend it. Bank accounts sync automatically, so your budget updates in real time as transactions come in. New users report saving an average of $600 in their first two months.
Actual Budget is a local-first, open-source budgeting app built on the same zero-based philosophy as YNAB — but it runs entirely on your own machine or server. No subscription fees, no data sharing, no ads. Your financial data never leaves your control.