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Prepaid Top-Up Points Optimizer

From a "X points per $Y charged" rule, instantly find the smartest top-up amount that covers what you need without waste, plus the points earned and your effective return.

Input

Reward type

$
$
pts

Examples: "15 points per $1,000 charged" or "3% bonus on the top-up amount".

Result

Recommended top-up (5 units)

$5,000.00

You earn 75 points

Effective return

1.5 %

Points earned

75 pts

Leftover balance

$500.00

After deducting the points, your effective cost is $4,925.00.

How it works

  • Given a rule like "X points (or a % bonus) for every Y charged," this finds the recommended top-up that meets your needed amount with the least waste.
  • The recommended top-up is the smallest multiple of the top-up unit that is at or above the needed amount (e.g. needing 4,500 with a 1,000 unit gives 5,000).
  • Points earned are calculated as "number of units × points per unit" in fixed-points mode, and "top-up amount × bonus rate" in % bonus mode.
  • Effective return = points earned ÷ top-up amount × 100, and leftover balance = top-up amount − needed amount, showing how much you may overcharge.
  • Two modes are supported: fixed points per unit, and a percentage bonus on the top-up amount.
  • Point expiration, caps, and where points can be redeemed are not considered. Check each service's terms for actual rewards.