Free tool for local businesses

Calculate whether a loyalty card could pay for itself.

Enter four figures and compare three scenarios. The estimate includes rewards on visits that might have happened anyway.

Your figures

Try your scenario

10100200
2 €16 €30 €

The average amount a customer pays in one visit.

4812

After 8 paid purchases, the customer earns the reward.

5%40%80%

Estimate the share of visits that would regularly use the card.

Your estimate

You could generate €201 more net profit per month.

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Additional monthly visits

+94

Additional sales

€655

Estimated reward cost

−€113

Net monthly impact

€201

Additional visits to break even

43

Recommended plan

Base · €79/month

Calculation assumptions

26 open days/month · 60% contribution margin · reward cost at 30% of ticket · 70% redemption of earned rewards.

Indicative estimate. It does not guarantee visits, sales, or profitability. It excludes fixed costs, taxes, and behaviour changes not modelled here.

A more honest estimate

Explore the opportunity without inventing the outcome.

The calculator starts with plausible adoption and applies three measured frequency improvements.

  • Three scenarios

    Compare conservative, target, and strong outcomes without choosing the profit yourself.

  • Complete costs

    Includes rewards across participating visits, not only newly generated visits.

  • Break-even point

    See how many additional visits the programme must generate to cover its cost.

Calculator questions

Is this a financial forecast?

No. It is an indicative estimate for comparing scenarios. Actual results depend on adoption, natural frequency, staff, the reward, and customer behaviour.

Where do the three scenarios come from?

We apply frequency increases of 10%, 18%, and 30% to participating customers. At 40% adoption, they translate to approximately 4%, 7.2%, and 12% increases across all visits. These are planning scenarios, not guaranteed averages.

How is reward cost calculated?

We estimate fulfilment at 30% of the average ticket and redemption of 70% of earned rewards. Cost applies across all participating visits.

Which tono plan does it use?

We recommend Base, Growth, or Pro from the monthly volume entered and use its VAT-inclusive monthly price.