Stacking savings calculator

Every stacking guide on this site talks in ranges ("often 18-25% total"). This tool does the exact arithmetic for your own cart: it applies your promo code first, then calculates cashback, card-reward, and loyalty rebates on what you actually paid — the same order retailers and portals use in practice.

How the math works

The calculator runs two steps, in the order the money actually moves:

1. Step 1 — the code applies at checkout. Subtotal × (1 − promo%) = the amount you actually pay today.
2. Step 2 — rebates apply to what you paid, not the sticker price. Cashback, card rewards, and loyalty points are each calculated on that discounted checkout amount, then added together and subtracted after the fact (cashback and card rewards typically post days to weeks later — see portal payout timing).

That two-step order is why stacking a 10% code with 6% cashback isn't a flat 16% off — it's 10% off immediately, then 6% of the already-discounted amount back later, which nets out slightly under a naive sum. This tool shows you the real number instead of the rough range.

Notes on accuracy

This is a calculator, not a deal feed — it doesn't look up or guarantee any retailer's actual current rate. Enter the promo percentage from the offer you're looking at and the cashback/card rates from your own portal and card statements, since those change by retailer and by day. For general stacking strategy, see How to Stack Coupons and Cashback.