Know your date
The month your combined business and personal balance covers the trip's cost, which keeps changing.
BUSINESS POINTS, FAMILY TRIPS
Your business points are not savings.
They are a depreciating asset.
Log the points you earn on business and personal cards, see what they're really worth, and find the month they cover your family trip. You also see what the wait costs.
Download on theApp StoreFree for one trip · No logins, no bank linking
THE COST OF WAITING
Two lines.
One honest answer.
Type in your balances from your business and personal cards, then price the family trip in both points and cash. Points Compass plots the points you'll hold against what the trip will cost. The earliest month you can book is where the lines meet.
The gap before that month is priced in dollars, split between award inflation and devaluation.
Booking windowOctober
PROJECTED BALANCETRIP COST
Waiting cost$412
Time to book8 months
VerdictHold, for now
HONEST IN BOTH DIRECTIONS
Sometimes, the right move
is to keep waiting.
If your points have gained value or the award price hasn't moved, Points Compass says so. If points are the expensive way to pay for the family trip, it tells you to pay cash.
Price the drift
See how many dollars each card and loyalty currency loses every month.
Protect the balance
Find hard expiry cliffs, last safe reset dates, and the cost of missing one.
Choose cash or points
Compare this redemption with simply paying cash, using assumptions you control.
PRIVATE
BY DESIGN
BY DESIGN
NO CONNECTIONS. NO BLACK BOX.
Your business accounts stay yours.
You won't sign in to a bank, a card issuer, an airline or a hotel program. You type in your balances yourself, and the app never asks for those credentials.
HOW THIS WAS WORKED OUT
Starting balance142,500 pts
Monthly earning rate+4,200 pts
Award inflation7.2% annual
Estimated waiting cost$412.00
Every figure is arithmetic you can see. Every assumption is editable.
CHOOSE YOUR DEPTH
The free plan is not a demo.
It prices one family trip completely, end to end, including the part this app exists for.
POINTS COMPASS
Free
$0 forever
- One complete trip projection
- Booking month and waiting cost
- Cash-versus-points verdict
- Transparent, editable assumptions
FOR OWNERS PLANNING MORE THAN ONE TRIP
POINTS COMPASS PRO
Plan every trip.
$4.99 / month
or $39.99 per year · 7-day free trial for eligible accounts
- Unlimited trips side by side
- Burn order, with every reason
- Transfer paths and full history
- Complete, graded decision log
- A plain-English second opinion
Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your App Store account settings.