Your Wallet

$2,805 of points, valued honestly

137,345 points & miles across 4 programs — valued at typical-redemption rates, not the banks' marketing math.

✓ Values verified July 13, 2026

Switches the totals above the fold only — rows always show both.

Total true value

$2,805

if you transfer well

Cash-out floor

$1,374

what banks would pay you

Programs

2 bank · 1 airline · 1 hotel

Monthly spend

$3,300

powers your ¢/$1 strategy

Credit card points $1,453

Program	Balance	Typical value	Worth
AXAmerican Express Membership Rewards	12,345 pts	2.00¢/pt	$247
CHChase Ultimate Rewards	60,000 pts	2.01¢/pt	$1,206

Airline miles $804

Program	Balance	Typical value	Worth
UAUnited MileagePlus	40,000 miles	2.01¢/mi	$804

Hotel points $548

Program	Balance	Typical value	Worth
HYWorld of Hyatt	25,000 pts	2.19¢/pt	$548

Monthly budget by category $3,300 / mo

$3,300entered across 8 of 9 categories · your spend profile personalizes every ¢/$1 number on the Strategy page — and tells the AI what "worth it" means for you. Edit any row, any time.

Everything elsenon-category spend

Venture X2x × 2.04¢ = 4.08¢/$1

Groceries

Amex Gold4x × 2.00¢ = 8.00¢/$1

Dining

Amex Gold4x × 2.00¢ = 8.00¢/$1

Online shopping

Venture X2x × 2.04¢ = 4.08¢/$1

Flightsbooked direct

Sapphire Reserve4x × 2.01¢ = 8.04¢/$1

Hotels

CSR via portal8x × 2.01¢ = 16.08¢/$1

Gas & EV

Venture X4.08¢/$1 · gap: Strata Premier 6.93¢

Transit & rideshare

Venture X4.08¢/$1 · gap: Autograph 7.17¢

Streamingnot answered yet

Answer to sharpen your strategy

Pick a range — or tap Custom… and type the exact number. Either works; exact numbers make the annual "left on the table" math sharper.

Mockup — data mirrors the live P&P demo wallet · view the first-run state →
Build note: touches wallet.js (totals toggle, bucket tables), data.json (values). Budget section already ships; wire its total into the Strategy KPIs via strategy.js.

Your Wallet

What are your points really worth?

Two minutes of setup and every balance you hold gets an honest dollar value. You type the numbers — we never ask for a bank login.

&Set up your walletabout 2 minutesStep 1 of 3

1Add your programs

2Enter balances

3Monthly budget

Tap everything you hold — cards, airlines, hotels. 2 selected so far.

Credit cards

Airlines

Hotels

Continue to balances →

✓ No bank login, ever. You type balances yourself, and everything here — programs, balances, budget — stays editable from this page after setup. Step 3, the monthly budget, is the section waiting at the bottom.

Total true value

grows with every balance you add

Cash-out floor

the banks' 1¢ math, for contrast

Programs

selected — balances come next

Monthly budget

—

set in step 3, below

Credit card points $0

Program	Balance	Typical value	Worth
CHChase Ultimate Rewards	— pts	2.01¢/pt
＋ Add another card program

Airline miles $0

Program	Balance	Typical value	Worth
UAUnited MileagePlus · example	— mi	2.01¢/mi

Hotel points $0

Program	Balance	Typical value	Worth
HYWorld of Hyatt	— pts	2.19¢/pt

Monthly budget by category wizard step 3

$00 of 9 categories answered · tap a band, or type an exact number — it personalizes every ¢/$1 figure on the Strategy page.

Dining

Best we track: Amex Gold 8.00¢/$1

Groceries

Best we track: Amex Gold 8.00¢/$1

Gas & EV

Best we track: Strata Premier 6.93¢/$1

Flightsbooked direct

Best we track: Sapphire Reserve 8.04¢/$1

Hotels

Best we track: CSR via portal 16.08¢/$1

Transit & rideshare

Best we track: Autograph 7.17¢/$1

Streaming

Best we track: Autograph 7.17¢/$1

Online shopping

Best we track: Citi Double Cash 4.62¢/$1

Everything elsenon-category spend

Best we track: Citi Double Cash 4.62¢/$1

← view the populated wallet
Build note: first-run replaces the current blank wallet in wallet.js — wizard card + ghost shell render when the user has zero programs; "Try the demo wallet" hook already exists in demo.js.