How to use this tool
- Enter spend, card pct, cash pct, atm fee.
- Use consistent units shown beside each input. Run the calculation and review the assumptions below.
Try this example
{
"spend": 500,
"card_pct": 3,
"cash_pct": 1,
"atm_fee": 5
}Accuracy and scope
Both percentages apply to the same home-currency spending amount, with one fixed ATM fee. No exchange-rate differences, cash leftovers, interest or multiple withdrawals; crossover requires a higher card percentage.
Is my data uploaded?
This tool runs locally in your browser. Input and output are not sent to a processing server. Copy or download your result before leaving the page.