RewardShift tools are diagnostic instruments — not calculators. They tell you where you are, what it means, and what to do next.
The entry point. Calculates your Essential and Optimal allocation requirements, assigns your Autonomy Score (0–100), and diagnoses which phase you're in — with a personalised strategy for your position.
Answer questions about housing, food, transport, lifestyle, and growth. Get your Essential Number, Optimal Number, Fulfillment Gap, Autonomy Score, phase diagnosis, and a personalised email report.
Open the Tool →Answers the question: Am I extracting maximum value from the spending I'm already doing? Built around a 3-layer architecture — Foundation, Optimisation, Leverage — and a personalised Shift Score.
Best card per purchase category · bonus tracking · reward value optimisation · annual fee analysis · churn timing strategy.
Coming after Tool 1 maturesA simulation tool showing the difference between standard debt payoff and velocity banking strategies — with your real numbers. Analytical, not promotional.
Normal payoff timeline vs velocity strategy · interest savings · scenario modelling · sensitivity analysis.
Coming later