Cashback Stack Calculator
The biggest cashback returns come from stacking — earning at more than one step of the same purchase. Pay with a cashback card, click through a cashback portal, and buy a discounted gift card, and the rewards add up because each rewards a different part of the transaction. Enter your spend below to estimate the combined return. See our UK Cashback Guide for the full framework.
£
Only the spend you make at retailers that take part counts — not your whole budget.
| Layer | Rate | Per year |
|---|---|---|
| % | £0 | |
| % | £0 | |
| % | £0 |
Estimated cashback £0/month
£0 per year combined effective rate 0%
Estimate only. Cashback rates vary a lot by retailer, not every purchase qualifies, and tracked cashback can take weeks to confirm (and occasionally fails). Treat this as a ceiling for participating-retailer spend, not a guarantee.
Start stacking
- TopCashback and Quidco — the two big portals (use both; they win on different retailers)
- JamDoughnut — instant discounted gift cards to pay with
- Curve — route an Amex rewards card into shops that don't take Amex
- All cashback referral codes →