Cashback Stacking Calculator

This calculator helps you instantly see how much you’ll save—and what you’ll actually pay—when you combine several cashback or discount offers on the same purchase. Rather than doing each percentage calculation by hand and then adding them together, you simply enter:

1. Original Price (the full amount you plan to spend)

2. Discount/Cashback Rates (as many as you like—5% gift-card deal, 2% receipt rebate, 1.5% card cashback, etc.)

When you click Calculate, the tool sums all your entered percentages into one total rate and then:

• Multiplies your original price by that combined percentage to give Total Savings.

• Subtracts the savings from your original price to show Final Cost.

Why use cashback stacking?
By “stacking” different savings sources—you can amplify your rebate far beyond any single deal. This approach turns one simple transaction into multiple earnings in one go.

Example:
Say you’re eyeing a £100 bench from Argos. Here’s how you could stack five layers of savings to knock the price down to just £64 (36% saved):

1. Gift-card discount
   Buy a £100 One4all gift card for £80 on NX Rewards (20% off).

2. App cashback
   Link that One4all card in Airtime Rewards for 2% back when you spend it.

3. Shopping portal rebate
   Search for “Argos” on NX Rewards and click through to get 12% cashback on your purchase.

4. Offline cashback
   When the bench arrives, submit your paper receipt to NX Rewards as an offline purchase and earn another 2%.

5. Loyalty points
   Link your Nectar card at checkout to collect standard Nectar points on the transaction.

All together, you’ve effectively stacked 20% + 2% + 12% + 2% = 36%, so on a £100 bench you save £36—and only pay £64. Fast, clear, and way more rewarding than any single deal!

Here’s our comprehensive guide on Cashback Stacking.

Debit Card Cashback Calculator

This tool shows you exactly how much extra you’ll earn when you use one or more cashback-enabled debit cards on the same spending. Instead of doing each percentage calculation by hand, you enter:

1. Your Spend (£): the total amount you plan to put on your card.

2. Frequency: whether that spend happens each month or once a year.

When you click Calculate, the script takes your spend, applies the card’s cashback rate (or combined rates, if you’re using multiple cards), and shows you:

• Total Cashback you’ll pocket.

• Effective Rate (%) you’ve earned.

Why use debit-card cashback?

Modern UK current accounts often offer 0.5–2% cashback on debit-card transactions—no credit risk, no annual fees. Some savvy savers even:

• Stack that card cashback with other deals—like buying an instant-cashback gift card (5–20% off) on your cashback card, then spending it and earning your card rebate again.

*Some cards are capped at a certain amount of cashback monthly (iFast £40, Trading 212 £15). This is subject to change so not factored into our calculator.

How it works

1. Enter your spend amount in the box.

2. Select “Monthly” if you put that amount through every month (then the calculator multiplies by 12), or “Yearly” for a one-off.

3. Click Calculate to see:

   • Monthly/Annual Cashback (£)

   • (If you choose monthly, both tables update automatically.)

Example

Imagine you spend £500 each month on a card that offers 1.5% cashback:

• Monthly cashback = 0.015 × £500 = £7.50

• Annual cashback = £7.50 × 12 = £90

Effective Interest Calculator

Many investment and savings platforms in the UK will sweeten your deal with a bonus on top of the standard interest rate when you sign up or deposit new money. This tool helps you work out your true, bonus-inclusive annual interest rate so you can compare whether it’s better to lock your cash elsewhere or take advantage of the promotional offer.

How it works

1. Deposit (£): the amount you plan to put in (e.g. £1,000).

2. Rate (%): the platform’s advertised annual interest rate (e.g. 5).

3. Months: how long you’ll leave your money invested or saved (e.g. 12).

4. Bonus (£): the fixed cash bonus you receive at the end (e.g. £50).

Why use it?

• True comparison: See whether a high-rate account with no bonus beats a lower-rate account with a big sign-up reward.

• Maximise gains: Pinpoint which promotions actually deliver the best return on your cash.

• Informed decisions: Avoid tying up money in a “sexy” bonus that, once annualised, offers a paltry yield.

Example

You deposit £1,000 at 5% for 12 months, plus receive a £50 sign-up bonus:

• Interest earned: 1,000 × 0.05 × (12/12) = £50

• Total return: 1,000 + 50 + 50 = £1,100

• Effective annual rate: ((1,100 – 1,000)/1,000) × 100 = 10%

So although the advertised rate was 5%, the bonus doubles your yield to an effective 10%—making it a far more lucrative place for that year than a plain 5% account.

Instant Cashback Calculator

This tool tells you exactly how much you’ll get back immediately when you buy an instant-cashback gift card or deal. Instead of manually working out “£100 at 5% off = £5 saved,” you simply enter:

• Spending (£): the face value of the gift card or purchase you’re making.

• Rate (%): the instant-cashback rate you’ll earn (e.g. 4%, 10%, 20%).

When you click Calculate, the script multiplies your spend by the rate to show your straight-away savings (£).

Why use instant-cashback gift cards?

Many portals and apps offer you an immediate rebate when you buy gift cards—turning a one-step purchase into an instant discount. By snapping up these deals, you:

• Lock in savings before you even spend the gift card.

• Stack this instant rebate with other cashback layers (cards, receipt apps etc) to turbo-charge your overall return.

How it works

1. Enter your spending amount (e.g. £100).

2. Enter the instant-cashback rate (e.g. 10).

That’s your guaranteed saving right away—no waiting for points or monthly statements.

Example

Suppose you buy a £100 Tesco gift card through an instant-cashback offer of 10%:

• Instant Cashback = 100 × 0.10 = £10 saved immediately.

You’ll pay £100 for the card but effectively get a £10 rebate at checkout—so your net cost is £90 before you even spend it. Use this calculator to nail down your true upfront discount in seconds!

One4all Optimiser Calculator

One4all gift cards work like a debit card at the till—you must cover the entire cost of each item with a single card balance, otherwise the retailer won’t accept it. That can leave you with frustratingly small leftover balances you can’t easily spend. One of the best ways to use this tool is when food shopping in M&S, this is because you can add a variety of low cost items to clear the value. This tool helps you:

• Match items to the best card so you clear as many balances as possible.

• Minimise wasted value by avoiding tiny remainders on each card.

How it works

1. Add your gift cards
   Click + Gift Card and enter each card’s current balance (e.g. £30, £15, £8).

2. Add your shopping items
   Click + Item and enter the name and price of each product in your basket.

3. Hit Optimise
   The calculator runs a simple allocation algorithm to assign each item to a gift card that can fully cover it, in a way that minimises leftover balances and any cash you must top up.

Why use it?

• Zero-waste gift cards: Get the most out of every penny on your One4all cards.

• Quick decision-making: No more guessing which card to use at checkout.

• Cash-top-up minimised: Spend more on cards and less from your own pocket.

Use this tool before you check out with One4all to ensure you never waste a penny of your gift-card balances. Or ask your cashier to split your transaction into a smaller amount to cover the cost on multiple gift cards!