{
  "id": "cash-back-calculator",
  "version": "1.0.0",
  "name": "Cash Back Calculator",
  "shortName": "Cash back",
  "description": "Estimate gross and net cash back after an optional reward cap and annual fee.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "credit card rewards",
    "cashback",
    "reward rate",
    "annual fee"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/cash-back-calculator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "1.0.0",
    "referenceCoverage": "references-pending",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-08-18",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "urls": {
    "page": "/calculator/cash-back-calculator/",
    "definition": "/calculator/cash-back-calculator/definition.json",
    "schema": "/calculator/cash-back-calculator/schema.json",
    "llms": "/calculator/cash-back-calculator/llms.txt",
    "legacyDefinition": "/calculator/cash-back-calculator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/cash-back-calculator/?purchaseAmount=12000&cashBackRate=2",
  "queryParameters": {
    "purchaseAmount": {
      "label": "Eligible spending",
      "type": "money",
      "required": true,
      "default": 12000
    },
    "cashBackRate": {
      "label": "Cash back rate",
      "type": "percent",
      "required": true,
      "default": 2
    },
    "rewardCap": {
      "label": "Reward cap",
      "type": "money",
      "required": false
    },
    "annualFee": {
      "label": "Annual fee",
      "type": "money",
      "required": false
    }
  },
  "inputs": [
    {
      "id": "purchaseAmount",
      "label": "Eligible spending",
      "type": "money",
      "required": true,
      "defaultValue": 12000,
      "min": 0,
      "step": 100,
      "width": "half"
    },
    {
      "id": "cashBackRate",
      "label": "Cash back rate",
      "type": "percent",
      "required": true,
      "defaultValue": 2,
      "min": 0,
      "max": 100,
      "step": 0.1,
      "control": "slider-number",
      "width": "half"
    },
    {
      "id": "rewardCap",
      "label": "Reward cap",
      "type": "money",
      "min": 0,
      "step": 10,
      "help": "Optional",
      "width": "half"
    },
    {
      "id": "annualFee",
      "label": "Annual fee",
      "type": "money",
      "min": 0,
      "step": 10,
      "help": "Optional",
      "width": "half"
    }
  ],
  "outputs": [
    {
      "id": "netCashBack",
      "label": "Net cash back",
      "format": "currency",
      "primary": true
    },
    {
      "id": "grossCashBack",
      "label": "Gross cash back",
      "format": "currency"
    },
    {
      "id": "effectiveRate",
      "label": "Net reward rate",
      "format": "percent"
    },
    {
      "id": "breakEvenSpend",
      "label": "Spend to cover annual fee",
      "format": "currency"
    }
  ],
  "formula": {
    "expression": "Net cash back = min(spending × reward rate, cap) − annual fee"
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "purchaseAmount": 12000,
        "cashBackRate": 2
      }
    }
  ],
  "sources": []
}