A points balance means nothing on its own. It only becomes a number once you know how many points a redemption costs, what that redemption pays, and whether what it pays is cash or a restricted reward. This calculator does that arithmetic and shows every step.
Every figure is derived from the three numbers you enter. Nothing is assumed about your operator, your tier or your game selection.
A redemption that pays withdrawable credit can be counted at face value. A redemption that pays bonus credit or free spins cannot. Restricted rewards usually carry a wagering requirement, game weighting rules, and sometimes a maximum cashout, all of which reduce the amount that can ever be withdrawn. The calculator keeps the two apart and never adds a restricted reward into a cash figure.
Tier or status points are a third category. They are not redeemable at all. Their value, if any, comes from what the tier unlocks, which this calculator does not attempt to price.
Loyalty programmes award points against qualifying turnover, which is the total amount wagered. That figure is normally many times larger than the amount a player is actually down, because the same money is staked repeatedly. A return expressed as a percentage of turnover is therefore not a rebate on losses and must not be read as one.
The calculator reports the return against turnover only, and labels it as such. It never converts turnover into an expected loss figure.
Suppose a hypothetical programme awards 1 point per 1 unit wagered, charges 1,000 points for a redemption, and that redemption pays 1 unit in withdrawable credit. A balance of 12,500 points covers 12 whole redemptions worth 12 units, with 500 points left over and 500 more needed for the next one.
One point is worth 0.001. At 1 point per unit wagered that is a return of 0.1 percent of turnover. These numbers are invented for illustration and are not any operator’s published terms.
Divide the value of one redemption by the number of points that redemption costs. If 1,000 points buys a reward with a face value of 1, each point is worth 0.001.
That depends entirely on the redemption rate in your own programme terms, and on whether the redemption pays cash or a restricted reward. A points return is calculated against turnover, which is the amount wagered, so it is almost always small next to the house edge on the games that generated it.
Redeemable points can be exchanged for a reward. Tier or status points only move you up a ladder and have no redemption value on their own. Many programmes award both from the same play, which makes a balance look larger than the redeemable part of it is.
No. The calculation runs in your browser and nothing you type is uploaded or saved. The shareable summary leaves your points balance out unless you switch it on.
What points actually buy, how tiering extends play, and where the value goes.
Model the expected value of a bonus before accepting it.
See how often a balance is lost before a wagering requirement clears.