Cashback calculator

Wise vs ether.fi Cash, on your actual budget

Plug in what you spend on accommodation, cafes, and cash. The calculator nets the 3% cashback against the 2% ATM fee against Wise's FX markup. The headline number is what stays in your pocket each year.

Annual savings vs Wise · last verified 2026-05-10

$623 / year

That's $60.00 in cashback minus $6.00 in ATM fees = $54.00 net per month, plus what you stop paying Wise in FX markup and over-the-cap ATM fees.

Of your $2,200 total monthly card spend, accommodation alone earns $486 per year in cashback at 3%.

You're over the $2,000/mo Core tier cap. Above $2k earns 0% on the entry tier. The Luxe tier ($10k cap) requires 10K Loyalty Points.

3% baseline shown. ether.fi's active 15% promo on groceries + restaurants is not modelled — your actual cashback may be higher while it runs. ATM fee is 2% on every withdrawal with no monthly free allowance.

Save $623/yr on a Bali budget vs Wise

Apply with up to 15% cashback

Affiliate link · 15% off restaurants applies to ether.fi Cash holders · referral commission keeps this site running

Common questions about this math

Does ether.fi Cash earn cashback on Airbnb?

Yes — Airbnb is paid by card and falls under the standard 3% baseline cashback up to the $2,000/mo Core tier cap. For a Bali nomad on $1,800/mo accommodation, that is roughly $54/mo or $486/yr in cashback at 9 months on the road.

How does the $2,000/mo cashback cap work?

On the Core tier, ether.fi pays 3% cashback on the first $2,000 of card spend per month and 0% above that. Higher Loyalty Points tiers raise the cap (Luxe $10k, Pinnacle $50k) but require staking. The calculator caps automatically.

Why does the calculator subtract ATM fees?

Because ether.fi charges 2% on every ATM withdrawal with no monthly free allowance. A nomad pulling $300/mo cash pays $6/mo in fees, which nets out roughly 11% of the $54 cashback on a typical Bali budget. We show the honest net number, not gross cashback.

Why is the 15% groceries and restaurants promo not modelled?

It is an active promotion (not a permanent rate). The calculator shows the 3% baseline so the headline number is defensible if the promo ends. Your actual cashback may be higher while the promo runs.