HisabCalc › Discounts & tips

Cashback Calculator

What a cashback offer is really worth, including any cap.

Enter your numbers

Purchase amount

Example: 4000

Cashback rate (%)

Example: 5

Cashback cap (0 = none)

Example: 150

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

Formula

cashback = min(purchase × rate, cap); you pay = purchase − cashback

How the calculation works

Cashback is a percentage of what you spend, returned after the purchase rather than taken off it. The percentage is the headline, but the cap is what decides the real figure: once the cap is reached, every extra taka of spending earns nothing.

On the worked example, 5% of a 4,000 purchase would be 200, but a 150 cap cuts it to 150 -- a real 3.75%, not 5%. The cap turns a percentage offer into a flat rebate on any purchase above 3,000, which is why a capped card is better for small spends and worse for large ones.

Common mistakes

Treating the advertised percentage as the discount. With a cap, the real rate falls as you spend more, so the number on the offer is the best case, not the usual one.
Spending more to earn more cashback. Past the cap it earns nothing, so the extra spending is just spending.

When to use it

Use it before a large purchase to see whether the cashback is worth choosing one card over another, and to find where a cap makes the offer flat.
It is not a tool for a straight discount, which comes off the bill at once; for that use the discount calculator.

Worked example

A 4,000 purchase at 5% cashback capped at 150: cashback 150, you pay 3,850, a real 3.75%.

You pay ৳3,850.00

Cashback ৳150.00

Percent 3.75%

Common questions

What if there is no cap?

Enter 0 in the cap box. Then the full percentage applies and nothing is trimmed.

Is cashback the same as a discount?

No. A discount lowers the bill at once, cashback comes back later, often next month. The tool assumes you really do get it.

Related tools

Last updated: 2026-09-29