Savings Stack Calculator: See What Stacking Actually Saves You

By Mike · Updated August 3, 2026 · 2 min to use

Rates based on our own tested payouts, not marketing numbers

Plug in what you actually spend in a normal month. This uses the same real-world rates from our app reviews, not the inflated numbers apps put in their own ads, to estimate what stacking Ibotta, Fetch, Upside, Rakuten and card rewards would actually put back in your pocket.

Monthly grocery spend

Monthly gas spend

Monthly online shopping

Monthly dining out

Estimated stacked savings

$0/ month

$0 / year

Category	What stacks	Est. back
Groceries	Ibotta + Fetch + card rewards	$0
Gas	Upside + card rewards	$0
Online shopping	Rakuten + card rewards	$0
Dining out	Dining stack (see guide)	$0

Where these rates come from: grocery blends our tested Ibotta (~4%), Fetch (~1% flat) and typical card rewards (~3%). Gas blends our tested Upside average (~6%) with card rewards (~2%). Online blends Rakuten's typical rate (~3%) with card rewards (~2%). Dining uses a conservative read of our dining stack worked example (~12%). Your real numbers will vary by store, card and region, this is a realistic estimate, not a promise.

How to actually hit this number

The calculator shows the ceiling. Getting there takes the same four habits we use ourselves: Ibotta checked before a grocery run, Upside claimed before every fill-up, Rakuten clicked before anything online, Fetch scanning every receipt regardless. Full walkthrough in the stacking guide, and the dining-specific version in the dining stack.

FAQ

Are these numbers guaranteed? No, they're estimates built from our own tested average payout rates, real results depend on your store, region, offers available and how consistently you use each app. Why does dining have the highest rate? Because it stacks the most layers at once, an airline dining program, a booking app like Seated, and card rewards, all on the same check. See the full breakdown. Do I need all the apps to get close to this number? No, even using two or three consistently gets you most of the way there, the calculator assumes full stacking as the ceiling.