your guide to money

The Justmoney credit card calculator is designed to allow you to get the info you are interested in. Just fill in your spending and your balance and we do the rest. To order the info the ways you want it just click the blue arrows at the top of each column

The Justmoney calculator is worked out by giving a 'notional value' to each transaction. These are worked out by taking publicly available information and comparing what its worth via online price checking sites to the amount of points needed for that purchase. This gives a figure for how much value your spend is worth in rewards. This value is dependent on you using that reward scheme and redeeming the maximum value.

Rewards are worked out by taking a basket of three products available from the specific reward schemes partners. These are then compared to the same product if you bought it cash. This is then averaged to give a notional value that you earn from your spend. Specific terms and conditions apply to all reward schemes.

Air miles are worked out from a basic Cape Town to Johannesburg return fare and then compared by the amount of points you would need to purchase the same flight. This gives a notional value for the air miles that you earn. This value is dependent on you taking up the offer and redeeming the full value of the air miles. Terms and conditions apply to all air miles schemes.

Discounts are an averaged percentage of discounts available on those products that offer them. This discount can, in general, only be taken from the partner companies of that specific discount scheme. The notional value is for the full spend discount you would get if you spend with your credit card at that specific partner.