Free tools
The Toolkit
Fourteen tools that turn the VER System™ into decisions. All free, no account needed; your own values stay on your device. The first four open on November 9, the rest by November 27.
Value
Baseline Calculator
Your personal baseline for a currency, from your own redemptions, with the five-step method.
Live Nov 27 VALUEThe Points Investor Valuations
What every currency is worth in cents per point, with the date of the last update. Members also see floor and ceiling.
Live Nov 9 VALUETravel Goal Calculator
How many points your target trips need, with the pricing ranges and the 20% buffer.
Live Nov 27Earn
Portfolio Tracker
Your balances, the 60/40 split, concentration and expiry flags, kept on your own device.
Live Nov 27 EARNCard Reviews
The cards worth holding, with fees, earning rates, credits and current welcome offers.
Live Nov 27 EARNCard Portfolio Planner
Which card to open next and when, using the issuer rules and the 20% headroom rule.
Live Nov 27Redeem
CVP Calculator
Cash or points? Net Cash Cost against Investor Cost™ for flights and hotels, with everything you earn by paying cash.
Live Nov 9 REDEEMTransfer Partner Map
Which bank currency moves to which airline and hotel program, at what ratio, and through which alliance.
Live Nov 9 REDEEMTransfer Bonus Tracker
Current transfer bonuses, and whether each one clears the bar for transferring before an award is confirmed.
Live Nov 9 REDEEMRedemption Value Calculator
The Value Multiple of a redemption and its tier on the Redemption Value Ladder.
Live Nov 27 REDEEMFlexibility Index
Two short scored tables, flights and hotels, that tell you which award strategies fit your travel.
Live Nov 27 REDEEMAward Search Tools
The search tools worth using to find award space, what each does best and what it costs.
Live Nov 27 REDEEMFlight Award Sweet Spots
Flight redemptions that return far more than cash, each with its date and how to book it.
Live Nov 27 REDEEMHotel Award Sweet Spots
Hotel redemptions that return far more than cash: free-night rules, pricing gaps and fee policies, dated.
Live Nov 27